You FICO score works for both so it will likely be your debt-to-income ratio that determines which program you'll qualify for.
Dutchess County is considered a "high-cost area" which is good news for you as it means your loan will qualify as a conforming loan and not enter into the Jumbo realm.
If you need help getting pre-qualified or have any other questions feel free to reach out.
Mortgage Loan Coordinator
East Coast Capital Bank
Ph: (516) 476-7328
I suggest you speak with a mortgage representative at one of the local banks in the area you are looking to buy in. You might ask friends/colleagues/family if they have recommendations of mortgage representatives they found particularly helpful.
Good luck in your search.
Berkshire Property Agents