USDA Vs. FHA Pro and Con comparison in Clayton, Jefferson County, NY
In 2026, the USDA loan limit set in Clayton, within the county of Jefferson, NY, is $336,500. In contrast, the FHA limit for a single-family residence is $472,030.
Take advantage of the Lendersa® USDA loan calculator to analyze today's best USDA versus FHA rates, and determine the income, credit, reserves, and documentation necessary for qualification. The advanced mortgage calculator equips you to compare USDA, FHA, Conforming, and VA offerings side by side, helping you select the optimal program for your financial situation in .
Loan Limits and Down Payment Guidelines for 2026 in Clayton, Jefferson, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Alternatives in Clayton, NY
Lendersa® aims to swiftly connect you with the finest USDA or FHA loan possibilities, free of hassle. Choose from three starting points to engage matching lenders and USDA loan programs.
A USDA home loan is backed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is available solely in rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, the USDA mortgage comes with no down payment requirement.
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Watertown Savings Bank, a FDIC insured institution, remains true to its mission of conducting business in the best interest of the community and the Jefferson County area for the long term. We are ""Committed to our Community and Committed to our Customers"" and we look forward to serving you
WPFCU was established in April, 1949 and is a member-owned, not for profit, financial corporation. Our Charter is limited to Postal Workers and their families and organizations of such persons. Our Mission is to provide competitive services to meet the needs of the Members and to promote membership growth while maintaining the security of funds.
317 Washington Street, 4th Floor, Watertown, NY, 13601
Lends in New York
At State CS Employees FCU, we are more than your average credit union. We take the time to get to know you and understand your needs. Times are tough and we get that. That’s why we’ve provided a whole host of ways for you to save money while enjoying the things you do. We proudly service qualifying members in Clinton, Franklin, Jefferson, Lewis.
Back in 1955, a group of New York Air Brake employees founded Northern Federal Credit Union in Watertown, New York. Their goal was to create a safe, secure place where employees could grow their savings and obtain loans at reasonable rates something the existing financial institutions in town weren't providing.
Citizens Bank of Cape Vincent has been a part of the local community for almost 100 years. We have now grown to 3 locations, serving over 7200 customers throughout the local communities. We provide various products including checking and savings accounts, mortgage loans, automobile loans, certificates of deposit, safe deposit boxes, and more.
Carthage Savings is a customer owned "Mutual" association. We answer to our customers, not stockholders. We are here to serve our customers with no conflicting profitability pressures. A "Mutual" is similar to a Credit Union with the exception that we pay income taxes. Carthage Savings was founded in 1888
It is our mission to invest in, support and nurture the communities we serve. We will endeavor to be a supportive financial partner and we shall provide a close, personal and confidential relationship for each of our customers consistent with safe banking practices. It is our mission to provide a challenging and rewarding environment for our staff.
Our mission is to be a trusted provider of financial services while building lasting relationships with our members, employees, and community.Since our beginning in 1954 as the St. Lawrence State Hospital Employees Federal Credit Union, we have focused on making a positive impact on people’s lives.We are committed to honesty
