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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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 | $103,350 | $136,400 |
| Allegany County, NY | $86,850 | $114,650 |
| Binghamton, NY MSA | $86,850 | $114,650 |
| Buffalo-Cheektowaga-Niagara Falls, NY MSA | $88,400 | $116,700 |
| Cattaraugus County, NY | $86,850 | $114,650 |
| Cayuga County, NY | $86,850 | $114,650 |
| Chautauqua County, NY | $86,850 | $114,650 |
| Chenango County, NY | $86,850 | $114,650 |
| Clinton County, NY | $86,850 | $114,650 |
| Columbia County, NY | $90,700 | $119,700 |
| Cortland County, NY | $86,850 | $114,650 |
| Delaware County, NY | $86,850 | $114,650 |
| Elmira, NY MSA | $86,850 | $114,650 |
| Essex County, NY | $86,850 | $114,650 |
| Franklin County, NY | $86,850 | $114,650 |
| Fulton County, NY | $86,850 | $114,650 |
| Genesee County, NY | $86,850 | $114,650 |
| Glens Falls, NY MSA | $86,850 | $114,650 |
| Greene County, NY | $86,850 | $114,650 |
| Hamilton County, NY | $86,850 | $114,650 |
| Ithaca, NY MSA | $96,800 | $127,800 |
| Kingston, NY MSA | $95,800 | $126,450 |
| Lewis County, NY | $86,850 | $114,650 |
| Montgomery County, NY | $86,850 | $114,650 |
| Nassau-Suffolk, NY HUD Metro FMR Area | $127,850 | $168,750 |
| New York, NY HUD Metro FMR Area | $122,700 | $161,950 |
| Otsego County, NY | $86,850 | $114,650 |
| Poughkeepsie-Newburgh-Middletown, NY HUD Metro FMR Area | $108,550 | $143,300 |
| Rochester, NY HUD Metro FMR Area | $87,050 | $114,900 |
| Rockland County, NY HUD Metro FMR Area | $122,700 | $161,950 |
| Schuyler County, NY | $86,850 | $114,650 |
| Seneca County, NY | $86,850 | $114,650 |
| St. Lawrence County, NY | $86,850 | $114,650 |
| Steuben County, NY | $86,850 | $114,650 |
| Sullivan County, NY | $86,850 | $114,650 |
| Syracuse, NY MSA | $91,450 | $120,700 |
| Utica-Rome, NY MSA | $86,850 | $114,650 |
| Watertown-Fort Drum, NY MSA | $86,850 | $114,650 |
| Westchester County, NY Statutory Exception Area | $119,050 | $157,150 |
| Wyoming County, NY | $86,850 | $114,650 |
| Yates County, NY HUD Metro FMR Area | $86,850 | $114,650 |
