In 2026, the USDA loan limit for Johnstown in Fulton county, NY, is $336,500, while for single-family homes the FHA limit is $472,030.
To compare today's best USDA vs FHA rates, use the Lendersa® USDA loan calculator. This tool helps you assess the income, credit score, reserves, and documents necessary for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program in based on your financial situation.
2026 Loan Limits and Downpayment Requirements in Johnstown, Fulton, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Johnstown, NY
The goal of Lendersa® is to help you quickly obtain the best USDA or FHA loan, with minimal hassle. Choose one of three starting points to find matching lenders along with USDA loan programs.
A USDA home loan, backed by the government's Department of Agriculture and also called a USDA rural development loan or mortgage, is only available in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgage loans do not require any down payment.
The Upstate Telco FCU, Charter #10746, was organized on March 20, 1956. There were 17 chartering members and the first Board of Directors, Credit, and Supervisory Committee members were elected at its first special meeting.
The Credit Union is a non-profit financial institution that is owned and operated entirely by its members.
First Choice Financial Federal Credit Union boasts over $152 Million in assets and is located in three great locations in Gloversville, NY and Broadalbin, NY. FCFFCU provides a wide range of quality financial services while preserving a competitive and stable financial institution. FCFFCU is a not-for-profit cooperative owned
Since 1960, MCT has been creating financial solutions for the people who live and work in Montgomery County. If you’ve been thinking about joining us, what’s stopping you? We accept members from most local businesses, and if your employer isn’t on our list yet, it’s easy, fast, and free to sign on.
Hometown Mortgage Corp. our mission is to set a high standard in the mortgage industry.We are committed to quality customer service - putting the people we serve 1st.Take advantage of our expertise in the residential lending industry by applying online today.You will find that the skill, professionalism & consideration we give to each of our client
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763 Saratoga Road, Suite 4, Burnt Hills, NY, 12027
Lends in New York
Prosper First Capital have worked hard to build our reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full-service mortgage broker with an experienced staff offering expertise in every area of mortgage lending.
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