USDA and FHA Pro and Con in Calcium, Jefferson County, NY

In 2025, the USDA loan limit in Calcium, situated in Jefferson County, NY, is $336,500, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to evaluate today’s top USDA and FHA loan rates, determining the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, helping you determine the best option in for your specific financial needs.

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2025 Loan Limits and Downpayment Requirements in Calcium, Jefferson, NY

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

USDA and FHA Loan Options in Calcium, NY

Lendersa® aims to secure the best possible USDA or FHA loan for you quickly and without hassle. Choose from three starting strategies that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in NY

A USDA home loan, guaranteed by the Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is available exclusively in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, the USDA mortgage does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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