USDA Loan Vs. FHA loan for Carthage, NY [Jefferson County Rates 2023]

In 2025, USDA loan limit in Carthage, county of Jefferson, NY is $336,500 while FHA limit is $472,030 for a single-family home.

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

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USDA and FHA loan options in Carthage, NY

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

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What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(813) 380-3081 1091 miles Lender's profile and map Reviews Smarthouse Lending 320 Winged Elm Dr, Debary, FL, 32713 We have been in the mortgage and lending business for over 20 years. Our team of local banks and lenders have helped thousands of home owners and home buyers get pre-approved for a home loan. Let us help you with your new home purchase. We offer a variety of lending and mortgage programs that fit your budget.
(352) 612-6280 1091 miles Lender's profile and map Reviews McBride Mortgage Group LLC 340 Burchington Drive, Debary, FL, 32713 At McBride Mortgage Group, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(785) 266-7533 1091 miles Lender's profile and map Reviews Topeka Firemen's Credit Union 2447 SE 29th Street, Topeka, KS, 66605 The Topeka Firemen's Credit Union was established to foster economic democracy by bringing the ideal of economic freedom to our members through the use of money based upon the beneficial needs of the members and not greed. We promote thrift by receiving our Members' savings in the payment of shares and extend loans to our Members.
(601) 683-3322 1091 miles Lender's profile and map Reviews Community Partners Federal Credit Union 102 Old Highway 15 Loop, Newton, MS, 39345 Here at Community Partners FCU, we are dedicated to you and all your financial needs. We've been around since 1971and with over 500 members and assets over $5 million, we strive to assist our members in receiving the best interest rates, loans, and member benefits. Our most important asset is our members.
(785) 232-6062 1091 miles Lender's profile and map Reviews Kaw Valley Bank 1110 North Kansas Avenue, Topeka, KS, 66608 Kaw Valley Bank has been a part of Topeka for over 150 years, with its roots starting in Oakland & eventually growing in North Topeka & later city wide. The banks original name was Oakland State Bank. In 1920s Glenn Swogger Sr. & his father J.S. Swogger purchased Oakland State Bank where it was a storefront bank with a family living headquarters.
(352) 347-3303 1092 miles Lender's profile and map Reviews Mortgage Xperts 10250 SE US Highway 441, Suite 101A, Belleview, FL, 34420 "Mortgage Xperts is a mortgage lender located in Belleview, Florida. They offer various loan programs including conventional, reverse, and government mortgage loans. They are dedicated to fair and equitable lending practices and offering the best opportunities for every potential homeowner"
(352) 572-9060 1092 miles Lender's profile and map Reviews Stress Less Mortgage 11130 SE 36th Ave, Belleview, FL, 34420 "We help take the Stress out of the Mortgage process. Purchases, Refinance, Investor specials. Free consultation, low rates with fast Stress Less Closings. Experienced Owner with a demonstrated history of working in the mortgage industry. Skilled in Sales, Risk Management, and Training."
(785) 295-2100 1092 miles Lender's profile and map Reviews Fidelity State Bank and Trust Company 600 Kansas Avenue, Topeka, KS, 66603 Fidelity State Bank & Trust Company (Topeka, KS) is a banking company based in Topeka, Kansas, United States. FDIC Insured and Equal Opportunity Lender.The history of the Chandler Family that owns Fidelity State Bank & Trust Company dates back to 1883. The Chandler Family has been active in Kansas since then and continues to be active in a large nu
(785) 233-4323 1092 miles Lender's profile and map Reviews 1st Kansas Credit Union 400 S Kansas Avenue, Suite B, Topeka, KS, 66603 Discover everything your credit union & financial institution can be at 1st Kansas Credit Union. As the oldest credit union in Kansas, our closed membership institution offers a wide range of accounts, loans, & financial services to Federal, State, City & County employees and their dependents in the states of Kansas, Nebraska, Iowa and Missouri.
(785) 368-9436 1092 miles Lender's profile and map Reviews Topeka Police Credit Union 320 South Kansas Avenue, Suite 100, Topeka, KS, 66603 The Topeka Police Credit Union was chartered February 12, 1952 by a small number of police officers who wanted to start a credit union to help police officers and their immediate families. The credit union opened its doors April 13, 1952. The mission of the Topeka Police Credit Union is to provide quality service.
(785) 272-4800 1092 miles Lender's profile and map Reviews Great Plains Funding 534 S. Kansas Avenue, Suite 825, Topeka, KS, 66603 Great Plains Funding, LLC was established for the sole purpose of providing “private money loans” to its real estate investor clientele. Great Plains Funding, LLC does not provide funding to any owner-occupied properties and limits its services to commercial loans for the acquisition and renovation of existing properties.