USDA

  • 100% financing available
  • Income limits
    Orange Co. $94,600 – Sullivan County  $75,900 – Ulster County $87,275
  • Cannot have own any other property
  • 6% Seller Concession allowed
  • Credit score as low as 620
  • Modular homes, 1-4 Family, Condos, PUD’s OK
  • Not limited to First Time Home Buyers
  • Low monthly and upfront mortgage insurance
  • USDA approval required
  • Available in rural areas – see map