USDA Vs. FHA your options comparison in Canton, St. Lawrence County, NY
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.
It is our mission to invest in, support and nurture the communities we serve. We will endeavor to be a supportive financial partner and we shall provide a close, personal and confidential relationship for each of our customers consistent with safe banking practices. It is our mission to provide a challenging and rewarding environment for our staff.
Our mission is to be a trusted provider of financial services while building lasting relationships with our members, employees, and community.Since our beginning in 1954 as the St. Lawrence State Hospital Employees Federal Credit Union, we have focused on making a positive impact on people’s lives.We are committed to honesty
Ed-Med Federal Credit Union was formed by the merger of two long existing credit unions: Ogdensburg Public Schools Employees Federal Credit Union and A.B.H.H. Employees Federal Credit Union. Our membership consists of employees in the education and medical field in the greater Ogdensburg NY area. We are a federally chartered credit union
On 1924, an organization certificate of the Massena Savings & Loan Association was submitted to the New York State Banking Department.The application was signed by 28 business men with a total subscription value of $47,400. On 1924 the State of NY Banking Department approved the Certificate of Organization of the Massena Savings & Loan Association.
The Twin Rivers Federal Credit Union was established in 1970 for the employees of the Reynolds Metals Company and their families. Today the credit union has a community charter serving anyone who lives, works, worships, attends school, is in business, or any other legal entities within St. Lawrence County
SeaComm is a member owned financial cooperative based in Massena with branches in Potsdam, Malone, Canton, Ogdensburg, Plattsburgh, NY and South Burlington, VT. We strive to improve the quality of life in the communities we serve.SeaComm Federal Credit Union serves over 48, 000 members with assets
Carthage Savings is a customer owned "Mutual" association. We answer to our customers, not stockholders. We are here to serve our customers with no conflicting profitability pressures. A "Mutual" is similar to a Credit Union with the exception that we pay income taxes. Carthage Savings was founded in 1888
We are proud that Adirondack Regional Federal Credit Union can serve all community members who live, work, worship, or attend school in Clinton, Essex, and Franklin Counties of NY state and their immediate family members. Businesses and other legal entities located in these counties are also eligible for credit union services.
Our Mission is to Consistently deliver prompt, courteous service to our members, achieve superior, long-term overall value for our members and create an environment that promotes and rewards the development and positive contribution of our employees. The credit union’s mission shall be accomplished by keeping in mind a set of core values.
