FHA VS Conventional loan programs in 2025 for Watertown, Jefferson County, New York

In 2025, Convetional loan limit in Watertown, county of Jefferson, NY is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NY is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Watertown, county of Jefferson, NY

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 13601

Conventional and FHA loan options in Watertown, NY

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • JEFFERSON STATE MORTGAGE
  • 122 NE Savage St, Grants Pass, OR, 97526
  • JEFFERSON STATE MORTGAGE is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Investment Resources Inc
  • 1454 North West 6th Street, Grants Pass, OR, 97526
  • Owner/Broker Bruno Skopinich employed as loan consultant with Investment Resources Inc. We are located in Southern Oregon. Investment Resources Inc. is multi-dimensional company offering investment, insurance, tax service and mortgage loans. Bruno have been active in the mortgage industry for over 25 years with a stellar reputation.
  • American Pacific Mortgage
  • 222 South Thor Street, Suite 3 & 10, Turlock, CA, 95380
  • Whether you are buying your first home, second home, vacation home or an investment property, we can help! Turn the home of your dreams into reality.American Pacific Mortgage does not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time.
  • Rafael Arrieta Mortgage Loans
  • 2716 Broadway, Sacramento, CA, 95818
  • When you need a mortgage that meets your Goals, Rafael will help you understand the mortgage process. Make a smart financial decision with your next mortgage. Since October 2019, Rafael Have been working. Rafael is younger Spanish speaking Person. Rafael’s educational background is in database management.
  • Michael Buccella Mortgage Lender
  • 2716 Broadway, Sacramento, CA, 95818
  • My name is Michael and I am so glad you clicked on my Yelp page. I would like nothing more than to earn your business and your trust and I hope your visit here will encourage you to reach out to me, even if you just have a simple mortgage or real estate question that you would like to ask.
  • Kathleen Beck - Mortgage Lender
  • 2716 Broadway, Sacramento, CA, 95818
  • "I am a Direct Lender as well as a Mortgage Broker, and as a result, have Great Home Loan Programs, Low Interest Rates and Fast Turn Times. Many people when financing a home do not take the time to understand the lender’s fees because they are shopping for the “Best Rate”. Sometimes the “Best Rate” is at a cost to the borrower. "
  • West Coast Mortgage Group
  • 2716 Broadway, Sacramento, CA, 95818
  • West Coast Mortgage Group (WCMTG) is a leading Direct Lender, with resources that take our customers home buying experience to the next level. Headquartered in Sacramento, CA, WCMTG offers a full variety of quality refinance and purchase home loans, including FHA (Federal Housing Administration).
  • Lending For Living
  • 1020 15th Street, Suite 10, Modesto, CA, 95354
  • Lending for Living is locally owned and operated offering extraordinary loan services for individuals seeking to fulfil their dream of home ownership, refinance or create stability. Years of experience and a knack for the challenging has earned us the reputation of being "VA Specialists" and "Mountain Property Specialists".
  • NorCal Mortgage
  • 1127 13TH ST, Suite A, Modesto, CA, 95354
  • This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.
  • King of Loans
  • 9245 Laguna Springs Dr, Unit 200, Elk Grove, CA, 95758
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Equity Zone Mortgage
  • 7811 Laguna Blvd, Suite 110, Elk Grove, CA, 95758
  • The Equity Zone Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.