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0% Down · Rural Development

USDA Loans in Bolton Landing, NY

Zero down, no PMI, and a fixed rate for buyers in Bolton Landing — one of the last true 0%-down mortgages in America. I verify address-level eligibility before you shop.

Ask if you qualify →Run the numbers
Why it works

The USDA advantage in Bolton Landing

0%

Down payment

Finance up to 100% of appraised value.

0.35%

Annual fee

Lowest of any government loan program.

30-yr

Fixed rate

Competitive fixed terms, no ARMs.

115%

AMI income cap

Household income limit by county.

Local snapshot

Buying in Bolton Landing, NY

2,000Population
$465KMedian home value
115%AMI household income cap
0%Down payment

An upscale lakeside hamlet on Lake George’s quieter western shore, home to the historic Sagamore Resort. The market skews toward waterfront estates, view homes and seasonal retreats. Much of Bolton Landing's footprint typically falls within USDA's eligible rural area map — I verify the exact address before you make an offer, since eligibility is drawn by USDA boundary, not town line.

Before you offer on a home in Bolton Landing

Two things to check first

Address eligibility

USDA draws its own rural-area map — it doesn't follow town or county lines. I run every address in Bolton Landing through the USDA eligibility tool before you write an offer.

Well & septic distances

Rural properties in Bolton Landing often run on private well and septic. USDA follows HUD/FHA property standards — distance and inspection requirements apply if the appraiser flags an issue.

Good to know

USDA in Bolton Landing — questions answered

Is Bolton Landing, NY USDA-eligible?+
Likely, at least in part — most of the Capital Region outside the city cores qualifies. USDA eligibility is drawn on a rural-area map, not town lines, so I check the exact address before you make an offer.
What's the income limit for a USDA loan in Bolton Landing?+
Total household income — every adult 18+ living in the home, on the loan or not — must fall at or under 115% of the Area Median Income for the county. I'll calculate your exact cap once I know the address.
Do I need a down payment to buy in Bolton Landing with USDA?+
No — USDA finances up to 100% of the appraised value. Closing costs can be gifted, seller-paid, or rolled in if the appraisal supports it.