You have 2 options: FannieMae 3% down program or FHA's 3.5% down payment program.
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