USDA-eligible areas may be found in parts of New York, often in small towns, farm country and the outer edges of larger metro regions. Eligibility is set address by address, and household income limits vary by county, so two homes in the same county can get different answers. Choose your city below to learn how USDA home loans work nearby, then check the address on the USDA map before you call a lender.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
New York's state housing finance agency is State of New York Mortgage Agency (SONYMA), part of New York State Homes and Community Renewal (HCR). Its homebuyer programs include Achieving the Dream Program, Low Interest Rate Program, Conventional Plus Program. These programs work through participating lenders and have their own eligibility rules. See our New York first-time buyer programs guide.
Where USDA loans activity is highest in New York
| County | loans originated (2024 HMDA) |
|---|---|
| Cattaraugus County | 23 |
| Steuben County | 18 |
| Suffolk County | 14 |
| Wayne County | 13 |
| Herkimer County | 11 |
| Oswego County | 10 |
| Chautauqua County | 9 |
| Ontario County | 8 |
| Jefferson County | 8 |
| Queens County | 8 |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
- Reviewed by a licensed loan officer
- No obligation to proceed
Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
USDA Loans by city in New York
- Airmont
- Albertson
- Albion
- Amityville
- Amsterdam
- Auburn
- Baldwin
- Baldwin Harbor
- Baldwinsville
- Ballston Spa
- Batavia
- Bay Shore
- Bayport
- Bayville
- Baywood
- Beacon
- Bellmore
- Bethpage
- Binghamton University
- Blauvelt
- Bohemia
- Briarcliff Manor
- Brockport
- Bronxville
- Calverton
- Carle Place
- Carmel Hamlet
- Cedarhurst
- Center Moriches
- Centereach
- Centerport
- Central Islip
- Chester
- Chestnut Ridge
- Clifton Springs
- Cohoes
- Congers
- Copiague
- Corning
- Cortland
- Croton-on-Hudson
- Deer Park
- Depew
- Dix Hills
- Dobbs Ferry
- Dunkirk
- East Aurora
- East Farmingdale
- East Glenville
- East Hills
- East Islip
- East Massapequa
- East Moriches
- East Northport
- East Patchogue
- East Quogue
- East Rochester
- East Rockaway
- East Shoreham
- Eggertsville
- Ellenville
- Elmsford
- Elwood
- Endicott
- Endwell
- Fairmount
- Fairport
- Fairview
- Farmingdale
- Farmingville
- Flanders
- Floral Park
- Fort Drum
- Fort Plain
- Fort Salonga
- Franklin Square
- Fredonia
- Fulton
- Garden City
- Garden City Park
- Geneva
- Glen Cove
- Glen Head
- Glens Falls North
- Gloversville
- Gowanda
- Great Neck
- Great Neck Plaza
- Greenlawn
- Greenville
- Hampton Bays
- Harris Hill
- Harrison
- Hastings-on-Hudson
- Hauppauge
- Hewlett
- Highland
- Hillcrest
- Hilton
- Holbrook
- Holtsville
- Honeoye Falls
- Hornell
- Hudson
- Hudson Falls
- Huntington Station
- Ilion
- Inwood
- Irvington
- Islip Terrace
- Jefferson Valley-Yorktown
- Jericho
- Johnson City
- Johnstown
- Kaser
- Kenmore
- Kings Park
- Kings Point
- Kiryas Joel
- Lackawanna
- Lake Carmel
- Lake Grove
- Lake Mohegan
- Lake Ronkonkoma
- Lakeview
- Larchmont
- Lawrence
- Lindenhurst
- Lockport
- Long Beach
- Lynbrook
- Mahopac
- Malverne
- Manhasset
- Manorhaven
- Manorville
- Massapequa
- Massapequa Park
- Mastic
- Mastic Beach
- Mattydale
- Mechanicstown
- Mechanicville
- Medford
- Medina
- Melville
- Merrick
- Middle Island
- Miller Place
- Mineola
- Monsey
- Monticello
- Mount Ivy
- Mount Kisco
- Mount Sinai
- Myers Corner
- Nanuet
- Nesconset
- New Cassel
- New Hempstead
- New Hyde Park
- New Square
- Newark
- North Amityville
- North Babylon
- North Bay Shore
- North Bellmore
- North Bellport
- North Gates
- North Hills
- North Lindenhurst
- North Massapequa
- North Merrick
- North New Hyde Park
- North Patchogue
- North Syracuse
- North Tonawanda
- North Valley Stream
- North Wantagh
- Northport
- Norwich
- Nyack
- Oakdale
- Oceanside
- Ogdensburg
- Old Bethpage
- Olean
- Oneida
- Oneonta
- Orange Lake
- Patchogue
- Pearl River
- Peekskill
- Pelham Manor
- Penn Yan
- Plainedge
- Plainview
- Plattsburgh
- Pleasantville
- Port Chester
- Port Jefferson
- Port Jefferson Station
- Port Jervis
- Port Washington
- Ravena
- Rensselaer
- Ridge
- Rockville Centre
- Rocky Point
- Rome
- Ronkonkoma
- Roosevelt
- Roslyn Heights
- Rye Brook
- Salamanca
- Salisbury
- Saranac Lake
- Sayville
- Scarsdale
- Scotchtown
- Scotia
- Sea Cliff
- Seaford
- Selden
- Shirley
- Sleepy Hollow
- Solvay
- Sound Beach
- South Farmingdale
- South Hill
- South Huntington
- South Lockport
- South Valley Stream
- Spring Valley
- Springs
- St. James
- Stony Brook
- Stony Brook University
- Suffern
- Syosset
- Tappan
- Tarrytown
- Terryville
- Tonawanda
- Tuckahoe
- Uniondale
- University at Buffalo
- Valatie
- Valley Cottage
- Viola
- Wading River
- Walden
- Wantagh
- Wappingers Falls
- Washingtonville
- Watervliet
- Wesley Hills
- West Glens Falls
- West Haverstraw
- West Hempstead
- West Hills
- West Islip
- West Point
- West Sayville
- Westbury
- Westmere
- Westvale
- Williamsville
- Williston Park
- Woodbury
- Woodbury
- Woodmere
- Wyandanch
- Yaphank
Common questions
Is this website part of USDA?
No. This website is an independent consumer information resource and is not affiliated with the U.S. Department of Agriculture, USDA Rural Development or any government agency. Most USDA-backed home loans are made by private lenders that participate in the program. USDA also runs a separate direct loan program through local Rural Development offices for lower-income applicants. We explain the options and connect you with a licensed lender.
What is the USDA guarantee fee?
The guarantee fee is what borrowers pay for the USDA backing on the loan. It has an upfront portion, usually financed into the loan amount, and an annual portion divided into your monthly payments. USDA sets the fee levels and may adjust them. Your Loan Estimate will show exactly how the fee applies to your loan, so you can compare it with other options.
Can I buy a newly built home with a USDA loan?
Yes, new construction may be eligible if the lot is in an eligible area and the home meets program standards. Lenders typically want a certificate of occupancy and may require builder warranties or specific inspections. Some lenders also offer USDA construction-to-permanent financing, though it is less common. Check the lot address on the eligibility map before you sign a builder contract.
Related guides
- USDA Loan Eligibility: Property, Income and Residence
- How Mortgage Preapproval Works
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in New York
USDA Loans overview · New York mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025