USDA Loan Vs. FHA loan pro & con Ellisburg, Jefferson County, NY

In 2025, the USDA loan limit in Ellisburg, located in Jefferson County, NY, is set at $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. Determine the necessary income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side by side, guiding you to the best program in for your financial needs.

Options for USDA and FHA Loans in Ellisburg, NY

Lendersa® aims to swiftly secure you the best available USDA or FHA loan without complications. Choose from three starting pathways to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, backed by the Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is exclusively available in rural neighborhoods. Contrary to FHA loans requiring a minimum 3.5% down payment, the USDA mortgage requires no down payment.

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(401) 739-4600 Lender's profile and map Reviews Greenwood Credit Union 2669 Post Road, Warwick, RI, 02886 Greenwood Credit Union has a long history of providing high quality financial services to individuals and families throughout Warwick, Kent County, the State of Rhode Island and beyond. Founded in 1948, Greenwood Credit Union has always shown a strong commitment to the financial well-being of the families, businesses and communities that we serve.
(401) 348-1367 Lender's profile and map Reviews THE WASHINGTON TRUST COMPANY 236 Centerville Road, Warwick, RI, 02886 Founded in 1800, Washington Trust is the oldest community bank in the nation and one of the Northeast’s premier financial services companies. Washington Trust offers a full range of financial services, including commercial banking, mortgage banking, personal banking and wealth management and trust services.
(401) 732-4141 Lender's profile and map Reviews The Mortgage Corner 175 Metro Center Blvd, Warwick, RI, 02886 The Mortgage Corner® of New England is a licensed mortgage broker in Massachusetts and Rhode Island offering a full selection of mortgage products represented by many national mortgage lenders. Our combined 60 years of mortgage experience assures you that we will guide you through each step of the mortgage process with ease.
(302) 252-0100 Lender's profile and map Reviews Mortgage Network Solutions, LLC 2036 Foulk Rd, Suite 102, Wilmington, DE, 19810 At Mortgage Network Solutions, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
(781) 592-4936 Lender's profile and map Reviews Lynn Teachers’ Credit Union 33 North Common Street, Lynn, MA, 01902 The Lynn Teachers’ Credit Union has been in existence since 1935. We have consistently been available for the needs of our members and will continue to do so. We offer the convenience of payroll deduction for both savings and loans. We offer prompt, courteous service to all of our members and prospective members
(732) 714-0967 Lender's profile and map Reviews Crown Mortgage Services 707 Arnold Avenue, Suite E, Point Pleasant Beach, NJ, 08742 We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs & most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
(781) 592-6051 Lender's profile and map Reviews Massachusetts Family Credit Union 51 Willow Street, Lynn, MA, 01901 The Massachusetts Family Federal Credit Union was chartered in 1926 for the purpose of providing savings and loans to postal employees. Since our modest beginning, the financial markets have changed dramatically, but the philosophy of the credit union has remained constant.” Your membership is our most valued asset.
(781) 598-5555 Lender's profile and map Reviews Brotherhood Credit Union 75 Market St Lynn, Lynn, MA, 01901 Brotherhood Credit Union offers its members a full service website that allows for true "Banking from Home" functionality. Users have the ability to get account balance and history reports, transfer money between accounts, make bill payments, and so much more. Brotherhood Credit Union has been serving its members in and around the Lynn, MA.
(800) 862-7009 Lender's profile and map Reviews Community Credit Union of Lynn 1 Andrew St, Lynn, MA, 01901 Community Credit Union We offer free pre-qualifications, so you can shop for your home with peace of mind knowing that you’ll be within your budget. One of our Mortgage Lending Representatives can walk you through your options and the mortgage process step by step. No surprises, just low rates and unmatched service.
(401) 438-7788 Lender's profile and map Reviews Community & Teachers Federal Credit Union 1169 South Broadway, East Providence, RI, 02914 Community & Teachers is a full service, not-for-profit cooperative financial institution that has been serving “Townies” for over 55 years. Founded in 1960 by eight teachers, the Credit Union was initially only able to extend membership if the person was employed by the school department.
(800) 254-3262 Lender's profile and map Reviews Capital City Financial Corporation 2740 Pawtucket Avenue East, Providence, RI, 02914 Capital City Financial Corporation proudly serves the Rhode Island, Massachusetts, and Connecticut communities. A strong and genuine belief in the "customer for life" principal of doing business is what fuels this company. Referrals from previous customers, real estate professionals, accountants, financial planners.
(401) 270-1144 Lender's profile and map Reviews Troy City Mortgage LLC 692 Warren Avenue, East Providence, RI, 02914 Troy City Mortgage, we work hard to get our clients approved so they can experience the benefits of homeownership. We guide first-time buyers through what it takes to achieve their dream of owning a home.and also we work with existing homeowners on everything from refinancing to home equity.