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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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