As of 2026, the USDA loan limit in Carlton, found in Orleans county, NY, is set at $336,500, while the FHA limit for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's prime USDA vs. FHA rates, and see the required income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, helping you determine which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to delivering the ideal USDA or FHA loan quickly, without hassle. Choose from three starting points that help connect with lenders and explore USDA loan programs.
A USDA loan, backed by the Department of Agriculture and also called a USDA rural development loan or mortgage, is available solely in rural areas. Unlike FHA loans that need at least a 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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