In 2026, the USDA loan limit for Fort-Drum, located in Jefferson county of NY, is set at $285,000, while the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to weigh today's optimal USDA against FHA rates, determining the required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can easily view USDA, FHA, Conforming, and VA options side-by-side, helping you decide on the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® strives to quickly connect you with the best USDA or FHA loan options without hassles. Select one of three starting points to link with lenders and USDA loan programs.
A USDA home loan is a government-backed program through the Department of Agriculture, also called the USDA rural development loan or USDA mortgage. It's available exclusively in rural neighborhoods. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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