USDA and FHA Pro and Con in Lisbon, St. Lawrence County, NY

For the year 2026, the USDA loan limit in Lisbon, within St. Lawrence, NY, is $336,500, whereas the FHA limit for a single-family home is $472,030.

The USDA loan calculator from Lendersa® is an excellent tool for comparing today's best USDA versus FHA rates. It helps determine the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, assisting you in deciding which program in fits your financial needs best.

Explore loan offers from 100 diverse lenders

Loan Limits and Down Payment Requirements for 2026 in Lisbon, County of St. Lawrence, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Lisbon, NY

Lendersa® strives to connect you with the best possible USDA or FHA loan quickly and with minimal hassle. Begin with any of the three starting points that result in matching lenders and USDA loan programs to your needs.

Lendersa USDA loan request matching and results

Understanding the USDA Loan in NY

The USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • 360 Capital Funding
  • 777 Westchester Avenue, Suite 101, White Plains, NY, 10604
  • 360 Capital Funding is a privately held direct lender whose principals have over 30 years of experience in real estate lending and investing. Our firm provides acquisition, refinancing, rehab and development loans for ALL property types. We offer quick decisions and flexible terms to meet your financing needs.

  • RealFi Home Funding Corp
  • 707 Westchester Avenue, Suite 305, White Plains, NY, 10604
  • We are redefining the mortgage process from the ground up by combining an innovative approach with an experienced management team. We combine state-of-the-art technology with in-house expertise creating a seamless, transparent process that transforms mortgage lending from beginning to end.

  • ABS Based Solution
  • 1133 Westchester Avenue, West Harrison, NY, 10604
  • Asset Based Solution (ABS), LLC focuses on real estate and asset-based lending. We are the leading Hard Money Lender in New York & Florida, also lending in Connecticut, Maryland, New Jersey, and Pennsylvania.

    Our mission is to empower real estate investors, beginners or experienced, to seize opportunities they cannot finance themselves. We under

  • Cannondale Financial LLC
  • 144 East Avenue, Suite 200, Norwalk, CT, 06851
  • CANNONDALE FINANCIAL LLC has been in business since 1997. We are licensed in New York and Connecticut. We offer mortgage for Residential, Commercial, FHA, VA, USDA, HELOC, Reverse Mortgage and Construction financing There are many factors in looking for the right home loan including your needs, finances and history

  • South End Capital Corporation
  • 101 Merritt 7 Corporate Park, Suite 300, Norwalk, CA, 06851
  • Founded in 2009, South End Capital is a nationwide, non-conforming lender and intermediary. We offer mortgages secured by commercial and investment residential real estate, as well as collateralized and uncollateralized business loans. Our technology-enabled platform delivers a streamlined loan process, and we are committed to providing excellent s

  • Nj Home Mortgage
  • 516 Lafayette Avenue, Hawthorne, NJ, 07506
  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. New Jersey Home Mortgage, LLC, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!

  • Silex Financial Group, Inc
  • 674 Lafayette Ave, Hawthorne, NJ, 7506
  • At Silex Financial, we have 30 years of experience matching the right client to the right lending institution to the right deal; each and every time. Our residential and commercial mortgage advisors leverage decades of commercial and residential experience and expertise on your behalf.

  • West Milton State Bank
  • 940 High Street, West Milton, PA, 17886
  • Susquehanna Community Bank was founded March 13, 1920, with 201 accounts and resources of $49, 000 in the village of West Milton, PA along the Susquehanna River. As our resources grew, so did our success. In 2020, we were ranked 63rd in the Nation as a Top Community Bank by US Banker Magazine