USDA Vs. FHA Pro and Con comparison in Champion, Jefferson County, NY
In 2025, the USDA loan limit in Champion, Jefferson county, NY, is $336,500, whereas the limit for a single-family home under the FHA program is $472,030.
Using Lendersa®'s USDA loan calculator, you can weigh the current best rates for USDA and FHA loans, and understand the necessary income, credit scores, reserves, and documents for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting which is best for your financial circumstances in .
2025 Loan Limits and Down Payment Needs in Champion, Jefferson, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Champion, NY
Lendersa® aims to secure the ideal USDA or FHA loan quickly and without hassle. Choose one of three starting options to connect with compatible lenders and USDA loan programs.
A USDA home loan is backed by the Department of Agriculture and available only in rural areas. Known also as the USDA rural development loan or mortgage, unlike FHA loans that require a 3.5% minimum down payment, USDA loans have no down payment necessity.
CSP Employees Federal Credit union is a member-owned, non-profit organization whom serves the entire CT Department of Corrections staff and their immediate family members. Originally chartered in 1949 and located in Enfield, CT on the CRCI Property, CSP was once a “One Man Operation”.
Established in May 2005, Delano Mortgage is a Licensed Connecticut residential and commercial mortgage provider located in Enfield Connecticut. Our mission is to develop relationships with our clients that will last for generations. Our most important goal is measured by our quality.
ESSA Bank & Trust (ESSA) was established in 1916 when Mr. John Gish founded the East Stroudsburg Building & Loan Bank in East Stroudsburg, PA. A number of strategic mergers during the early years resulted in a name change to East Stroudsburg Savings Association. As a result, by 1971, assets had grown to $20 million dollars
NE PA Community Federal Credit Union’s mission is to provide the best banking experience for our members. Established in 1960, NE PA is always striving to deliver great rates, innovative financial products and services, and unbeatable member service.
Serving Monroe and Pike Counties since 1960. Federally Insured by NCUA. Equal Housing Lender.
SUNY Fredonia Federal Credit Union has been open since 1974. The credit union has assets totaling $45.16 Million and provides banking services to more than 3, 000 members.
The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups
Our mission is to remain an independent mutual financial institution, delivering innovative solutions and exceptional service, while assisting our employees, customers and communities to build brighter futures. Bank of New Hampshire has been a mutual banking organization focused on our depositors and accountable to our communities.
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The New Hampshire Community Loan Fund turns investments and donations into loans and education that create opportunity and transform lives across the Granite State. We loan directly to, and on behalf of, people with low and moderate incomes to create and preserve affordable housing, good jobs, and child care and other vital community services.
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