In 2026, the USDA loan threshold in Canton, located in St. Lawrence County, NY, is set at $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.
To evaluate today's top rates, use the Lendersa® USDA loan calculator and compare USDA VS FHA options. Determine the necessary income, creditworthiness, reserves, and documents for eligibility. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA offerings side by side, helping you identify which program in best suits your financial needs.
Loan Limits and Down Payment Requirements in Canton, St. Lawrence, NY for 2026
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Canton, NY
Lendersa® strives to provide you with the best USDA or FHA loans quickly and without hassle. Choose one of three options available to connect with lenders and explore suitable USDA loan programs.
The USDA home loan, backed by the government and the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment.
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