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

In 2025, USDA loan limit in Champion, 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 Champion, 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.

6785233097 847 miles Lender's profile and map Reviews Mainspring Capital Inc 650 Ponce de Leon Ave ste 300 #2135, Atlanta, GA, 30308 Founded by local real estate investors, Mainspring Capital provides hard money loans to investors for various real-estate projects. As a small local lender deploying our capital, we can close in as little as 48 hours to deliver much-needed capital for your real estate deals.
(888) 924-4044 847 miles Lender's profile and map Reviews Premier Lending Solutions 931 Monroe Dr NE, Suite 102165, Atlanta, GA, 30308 Premier Lending Solutions is a private lending company based in Atlanta, Georgia. We provide residential and commercial financing to investors, rehabbers and commercial property owners. Premier Lending Solutions was initially formed to service the needs of investors in the State of Georgia.
(706) 559-0051 847 miles Lender's profile and map Reviews Powerco Federal Credit Union 241 Ralph McGill Boulevard NE, Atlanta, GA, 30308 Powerco is a federally insured financial institution headquartered in Atlanta, Georgia. Chartered in 1935, Powerco, with over $185 million in assets, is one of the largest and fastest growing credit unions in the State of Georgia. More than 21, 000 members and their families are served by dedicated professionals in eight branches in GA & MS.
(800) 593-0143 847 miles Lender's profile and map Reviews Power Purchase Mortgage 715 Peachtree St NE, Suite 100 & 200, Atlanta, GA, 30308 We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.
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(651) 777-8365 847 miles Lender's profile and map Reviews Lake Elmo Bank 11465 39th Street N, Lake Elmo, MN, 55042 Lake Elmo Bank has built its tradition on a personal approach to banking. We get to know our customers so that we understand each customer's unique needs with the intent of building long-term financial relationships. This goal has been the foundation of our business for over 100 years.
(612) 750-2548 847 miles Lender's profile and map Reviews Impact Mortgage LLC 2796 Lisbon Avenue Court North, Lake Elmo, MN, 55042 Impact Mortgage was started in 2007. After working with a few different direct lenders and brokers since 2004, I decided that I could save my clients a lot of money by not charging all the unnecessary fees associated with purchasing or refinancing their home. So I took the self-employment leap in 2007 and have never looked back.
(762) 225-5822 847 miles Lender's profile and map Reviews Metro Park Mortgage Group LLC 833 Virginia Court SE, Conyers, GA, 30094 Metro Park Mortgage Group LLC founder of the Twila Reed she started career in 1997 as a loan officer assistant and gradually moved the up ranks of becoming a loan processor then a loan originator. In 2000, I recall saying to myself, these guys are making a lot of money and making great friends. My next goal was to become that person.
(507) 582-3448 848 miles Lender's profile and map Reviews United Farmers State Bank 15 4th Street Sw, Adams, MN, 55909 United Farmers State Bank was chartered on January 17, 2014 when its parent banks, Farmers State Bank of Adams and Farmers State Bank of Elkton joined forces. The officers are Timothy Schneider, President; Brian Wolff, Vice-President; Curt Sheely, Vice-President, Eric Lee, Vice-President; Mike Smith, Asst Vice-President, and Steve Leif, Asst. Vice-
7708542194 848 miles Lender's profile and map Reviews Unlimited Funding 1445 Woodmont Ln #309, Atlanta, GA, 30318 Unlimited Funding specializes in funding real estate properties that banks won't lend on for various reasons. Our clients desire asset based lending that allows them to purchase and refinance properties without the red tape, heavy documentation, and strict bank underwriting guidelines that kill many deals.
(678) 736-5060 848 miles Lender's profile and map Reviews Craft Bank 1575 Northside Drive NW, Bldg 100, Suite 200, Atlanta, GA, 30318 Craft Bank offers the Atlanta market a fresh approach to business banking with impeccable digital offerings and a steadfast commitment to the relationships we build. The bank’s holistic approach is designed to support business owners' financial needs – both business and personal.