USDA Loan Vs. FHA loan pro & con for Charlton, Saratoga County, NY

In 2025, USDA loan limit in Charlton, county of Saratoga, 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 Charlton, 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.

(217) 223-7300 914 miles Lender's profile and map Reviews Mercantile Bank 440 Maine St, Quincy, IL, 62301 Mercantile Bank was founded by local businessmen in Quincy, Illinois in 1906 and became part of United Community Bancorp, Inc. in 2013. Today, Mercantile, as United Community Bank, continues the tradition established a century ago of serving and supporting the financial needs of individuals, families, businesses, and organizations
(217) 223-0500 914 miles Lender's profile and map Reviews Central State Bank 900 S. 12th St, Quincy, IL, 62301 Central State Bank is a locally-owned community bank serving West-Central Illinois & Northeast Missouri with the latest technology, the quickest decision-making, & the simplest solutions for your personal, business, or agricultural banking needs. Central State Bank was originally chartered as Clayton State Bank in the small village of Clayton, IL.
(319) 882-4279 915 miles Lender's profile and map Reviews American Savings Bank 312 S. Main St, Tripoli, IA, 50676 Since 1899 American Savings Bank a location of Readlyn Savings Bank and the people of Tripoli have worked together to make our town a great place to live. As a reliable and trusted hometown bank, ASB has stood shoulder-to-shoulder with Tripoli through the Great American Century; facing our common challenges head on.
(507) 280-1973 915 miles Lender's profile and map Reviews MCT Financial 3240 East River Road, Rochester, MN, 55906 At MCT Financial, we have over 30 years of experience in serving mortgage borrowers. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. We offer unparalleled mortgage and refinance service to clients throughout the entire State of Minnesota!
(507) 299-0240 915 miles Lender's profile and map Reviews Main Source Mortgage 3224 6th Ave NE, Rochester, MN, 55906 Main Source Mortgage our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process so that you can confidently select the best loan for you & your company from the many loan options that are available today.
(256) 766-2936 915 miles Lender's profile and map Reviews Lauderdale County Teachers Credit Union 103 Magnum Street, Florence, AL, 35630 Lauderdale County Teachers Credit Union is committed to meeting the ever-changing needs of your financial well-being. Established by school employees’ – for teachers, administrators, and support staff – Lauderdale County Teachers Credit Union, for more than 60 years has been providing quality, committed service.
(256) 767-4700 915 miles Lender's profile and map Reviews Florence Federal Credit Union 1505 North Pine St, Florence, AL, 35630 In 1959, when the Credit Union was chartered, only employees of the City of Florence were eligible for membership. The charter has been amended many times expanding the field of members. In March, 2001 NCUA granted a Community Charter to the Credit Union. It states that persons who live, work, worship, or attend school in, and businesses.
(256) 718-4200 915 miles Lender's profile and map Reviews FIRST SOUTHERN Bank 301 South Court St, Florence, AL, 35630 First Southern Bank has been helping Shoals residents with their mortgage needs for over 80 years. Whether you are buying, building, or refinancing, First Southern Bank has the right loan to meet your needs. We offer competitive rates for your mortgage lending needs.Let First Southern Bank’s mortgage loan.
(573) 472-5373 915 miles Lender's profile and map Reviews Highway Crossroads Credit Union 741 York Drive, Sikeston, MO, 63801 Highway Crossroads Credit Union was founded in August of 1953 to serve the employees, retirees, and the immediate family members of Missouri Department of Transportation (Southeast District) and Missouri State Highway Patrol (Troop E).Today, Highway Crossroads Credit Union has over 1, 600 members and assets of $14.0 million.
(573) 471-2275 915 miles Lender's profile and map Reviews Montgomery Bank 1 Montgomery Bank Plaza, Sikeston, MO, 63801 Montgomery Bank is a family-owned community bank, helping fiscally responsible businesses and families, with the easiest and friendliest financial solutions. Montgomery Bank's 10 branch locations provide personal and commercial banking services to the communities throughout Southeast Missouri and St. Louis.
(218) 723-1000 915 miles Lender's profile and map Reviews WesternBank (Duluth) 201 North Central Avenue, Duluth, MN, 55816 Western Bank has been committed to servicing our customers & the local community for over 100 years. As a hometown bank with local decision-making, we are dedicated to producing & offering to our community a wide range of banking services of exceptional value. Utilizing talented, knowledgeable employees & quality, highly accurate delivery systems.