Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in New York. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

New York Guaranteed USDA Loan Limits

Area
1-4 Person Households
5-8 Person Households
Albany-Schenectady-Troy, NY MSA$323,000$417,000
Allegany County, NY$272,000$357,000
Binghamton, NY MSA$272,000$357,000
Buffalo-Cheektowaga-Niagara Falls, NY MSA$272,000$357,000
Cattaraugus County, NY$272,000$357,000
Cayuga County, NY$272,000$357,000
Chautauqua County, NY$272,000$357,000
Chenango County, NY$272,000$357,000
Clinton County, NY$272,000$357,000
Columbia County, NY$306,000$391,000
Cortland County, NY$272,000$357,000
Delaware County, NY$272,000$357,000
Elmira, NY MSA$272,000$357,000
Essex County, NY$272,000$357,000
Franklin County, NY$272,000$357,000
Fulton County, NY$272,000$357,000
Genesee County, NY$272,000$357,000
Glens Falls, NY MSA$272,000$357,000
Greene County, NY$272,000$357,000
Hamilton County, NY$272,000$357,000
Ithaca, NY MSA$323,000$408,000
Kingston, NY MSA$306,000$408,000
Lewis County, NY$272,000$357,000
Montgomery County, NY$272,000$357,000
Nassau-Suffolk, NY HUD Metro FMR Area$408,000$417,000
New York, NY HUD Metro FMR Area$374,000$417,000
Otsego County, NY$272,000$357,000
Poughkeepsie-Newburgh-Middletown, NY HUD Metro FMR Area$323,000$417,000
Rochester, NY HUD Metro FMR Area$272,000$357,000
Rockland County, NY HUD Metro FMR Area$374,000$417,000
Schuyler County, NY$272,000$357,000
Seneca County, NY$272,000$357,000
St. Lawrence County, NY$272,000$357,000
Steuben County, NY$272,000$357,000
Sullivan County, NY$272,000$357,000
Syracuse, NY MSA$272,000$374,000
Utica-Rome, NY MSA$272,000$357,000
Watertown-Fort Drum, NY MSA$272,000$357,000
Westchester County, NY Statutory Exception Area$374,000$417,000
Wyoming County, NY$272,000$357,000
Yates County, NY HUD Metro FMR Area$272,000$357,000
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