USDA VS FHA in Champlain, Clinton County, NY

In 2025, the USDA loan limit for Champlain in the county of Clinton, NY, stands at $336,500, whereas the FHA limit for a single-family dwelling is $472,030.

Utilize Lendersa®'s USDA loan calculator to compare the top USDA and FHA rates available today and determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, aiding your decision on the best program for your financial needs in .

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2025 Loan Limits and Downpayment Details in Champlain, Clinton County, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Options in Champlain, NY

Lendersa® strives to quickly secure the best USDA or FHA loan for you. Choose one of three starting paths leading to matched lenders and USDA loan offerings.

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Understanding USDA Loans in NY

The USDA home loan, backed by the Department of Agriculture, is often called a USDA rural development loan or mortgage and is reserved for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Capital Home Loans LLC
  • 6546 Weatherfield Ct, Unit C2, Maumee, OH, 43537
  • Capital we are dedicated to serving the community by providing competitive mortgage options. Buying a home is a great step towards financial success and our team is here to make that process as smooth as possible. Reach out to us today to find out how Capital can help you and Ready To Help You Through The Mortgage Process
  • Savage Mortgage Services, Ltd
  • 655 Beaver Creek Circle, Maumee, OH, 43537
  • Savage Mortgage Services, Ltd. began in May 2002 as a joint venture between Billy Horn and Savage & Associates in order to offer residential mortgage services to Savage clients. We offer various loan programs, including fixed-rate loans with 10-30 year terms, adjustable rate mortgages, conventional and jumbo loans.
  • Commonwealth Mortgage & Investments, Inc
  • 3740 West Hundred Road, Chester, VA, 23831
  • Commonwealth Mortgage and Investments, is a local mortgage company located in Chester, Virginia and has been servicing the Tri-City area for the past 25 years in the same location. They offer all type of mortgage loans and also With over 20 years in the business, we specialize in VA loans and have some of the best VA interest rates in the area.
  • GraCo Federal Credit Union
  • 835 W Warwick Drive, Alma, MI, 48801
  • At GraCo Federal Credit Union, we all benefit from the cooperative nature of our members! If it’s time for a change, it’s time for GraCo FCU and GraCo Federal Credit Union is a member owned financial co-operative dedicated to member service and community involvement through responsible leadership.
  • Commercial Bank
  • 301 N. State St, Alma, MI, 48801
  • Commercial Bank has been a proud local bank since 1893. We have an unwavering devotion to our neighbors and their futures. We make it our mission to reinvest in the community through donations, sponsorships and loans to support the growth of our local residents and businesses. We firmly believe that being local matters.
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  • 211 West Center Street, Alma, MI, 48801
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  • 2130 Cunningham Drive, Hampton, VA, 23666
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  • 204 East Jefferson, Blissfield, MI, 49228
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