USDA and FHA Pro and Con in Johnstown, Fulton County, NY
In 2025, 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.
2025 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.
5465 Mills Civic Parkway, Suite 201, West Des Moines, IA, 50266
Conterra has lending offices through out the United States. We have relationship managers and credit teams available in your region and ready to hear your story. Find an Ag lender in your region to get personal service and financing that tailors to your unique operation.Conterra’s staff of seasoned.
177 S. Jordan Creek Pkwy, West Des Moines, IA, 50266
Fidelity Bank is a locally owned, locally managed community bank in Iowa. With a commitment to providing our customers with the banking services and support they need; Fidelity Bank offers a variety of banking and lending options.
Fidelity Bank is on LinkedIn to celebrate our team members.
1150 Jordan Creek Pkwy, West Des Moines, IA, 50266
With over 25 locations in 22 communities across the state, Bank Iowa offers the services of a large financial institution, but operates as a community bank in which decisions are made locally. The Bank Iowa locations are affiliates of Bank Iowa Corporation, a privately owned bank holding company headquartered in West Des Moines, Iowa.
American Equity Investment Life Insurance Company®
6000 Westown Parkway, West Des Moines, IA, 50266
An American-owned and operated company headquartered in the heart of the Midwest, American Equity Investment Life Insurance Company® is a leader in the fixed indexed annuities marketplace. American Equity’s growth and success is attributed to our dedication to excellent customer service and emphasis on building customer relationships.
Financial Plus Credit Union is a full service financial institution which is cooperative in structure and serves the community of Des Moines, Iowa.We are in the business of improving the financial lives of our member/owners. Each account holder is an owner and is rewarded with personal service, the best rates and life stage products.
At HomeServices Lending, you can choose from wide range of home financing options including conventional conforming, fixed rate and adjustable rate, FHA and VA loans, jumbo financing, investment property financing, refinancing and renovation loans. Our mission is to provide credit-worthy customers
1501 42nd St, Suite 465, West Des Moines, IA, 50266
Summit Mortgage is changing the way homebuyers view and experience the mortgage lending process. In today’s technology-driven world, it’s easy to end up as another piece of data in an automated system. But we think homebuyers deserve better. That’s why we’ll provide you with personalized service, complete transparency
Thomasville Bank is to operate a sound and profitable company while serving the banking needs of the Thomasville/Thomas County community. We will strive to protect our customers deposits, meet their credit needs, & promote economic development throughout the community, while consistently generating strong returns on our shareholders' investment.
