USDA Guaranteed Loans are the most popular rural development mortgage program in New York.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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Search USDA Direct Loan Limits (for low income applicants)

This approach means that the maximum loan limits for Guaranteed Loans are variable, with New York USDA income limits playing a major role.  Guaranteed Loan income limits across NY are listed below.

New York USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Albany-Schenectady-Troy, NY MSA$94,600$124,850
Allegany County, NY$75,900$100,200
Binghamton, NY MSA$75,900$100,200
Buffalo-Cheektowaga-Niagara Falls, NY MSA$77,850$102,750
Cattaraugus County, NY$75,900$100,200
Cayuga County, NY$76,600$101,100
Chautauqua County, NY$75,900$100,200
Chenango County, NY$75,900$100,200
Clinton County, NY$76,900$101,500
Columbia County, NY$86,100$113,650
Cortland County, NY$75,900$100,200
Delaware County, NY$75,900$100,200
Elmira, NY MSA$75,900$100,200
Essex County, NY$75,900$100,200
Franklin County, NY$75,900$100,200
Fulton County, NY$75,900$100,200
Genesee County, NY$77,850$102,750
Glens Falls, NY MSA$75,900$100,200
Greene County, NY$75,900$100,200
Hamilton County, NY$75,900$100,200
Ithaca, NY MSA$90,650$119,650
Kingston, NY MSA$87,250$115,150
Lewis County, NY$75,900$100,200
Montgomery County, NY$75,900$100,200
Nassau-Suffolk, NY HUD Metro FMR Area$115,150$152,000
New York, NY HUD Metro FMR Area$105,350$139,050
Otsego County, NY$75,900$100,200
Poughkeepsie-Newburgh-Middletown, NY HUD Metro FMR Area$94,600$124,850
Rochester, NY HUD Metro FMR Area$79,000$104,300
Rockland County, NY HUD Metro FMR Area$105,350$139,050
Schuyler County, NY$75,900$100,200
Seneca County, NY$75,900$100,200
St. Lawrence County, NY$75,900$100,200
Steuben County, NY$75,900$100,200
Sullivan County, NY$75,900$100,200
Syracuse, NY MSA$79,550$105,000
Utica-Rome, NY MSA$75,900$100,200
Watertown-Fort Drum, NY MSA$75,900$100,200
Westchester County, NY Statutory Exception Area$108,700$143,500
Wyoming County, NY$75,900$100,200
Yates County, NY HUD Metro FMR Area$75,900$100,200
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