USDA Vs. FHA your options comparison in Moira, Franklin County, NY
In 2026, the USDA loan cap in Moira, located in Franklin, NY, is set at $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA against FHA rates and determine the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, USDA, FHA, Conforming, and VA loans can be compared side by side, helping you choose the ideal option for your situation in .
Loan Limits and Down Payment Requirements in Moira, Franklin, NY for 2026
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 Moira, NY
Lendersa® aims to promptly offer the best USDA or FHA loans without hassle. Choose one of three approaches to connect with lenders and explore USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgages do not require any down payment.
On 1924, an organization certificate of the Massena Savings & Loan Association was submitted to the New York State Banking Department.The application was signed by 28 business men with a total subscription value of $47,400. On 1924 the State of NY Banking Department approved the Certificate of Organization of the Massena Savings & Loan Association.
The Twin Rivers Federal Credit Union was established in 1970 for the employees of the Reynolds Metals Company and their families. Today the credit union has a community charter serving anyone who lives, works, worships, attends school, is in business, or any other legal entities within St. Lawrence County
SeaComm is a member owned financial cooperative based in Massena with branches in Potsdam, Malone, Canton, Ogdensburg, Plattsburgh, NY and South Burlington, VT. We strive to improve the quality of life in the communities we serve.SeaComm Federal Credit Union serves over 48, 000 members with assets
Our Mission is to Consistently deliver prompt, courteous service to our members, achieve superior, long-term overall value for our members and create an environment that promotes and rewards the development and positive contribution of our employees. The credit union’s mission shall be accomplished by keeping in mind a set of core values.
We are proud that Adirondack Regional Federal Credit Union can serve all community members who live, work, worship, or attend school in Clinton, Essex, and Franklin Counties of NY state and their immediate family members. Businesses and other legal entities located in these counties are also eligible for credit union services.
Our mission is to be a trusted provider of financial services while building lasting relationships with our members, employees, and community.Since our beginning in 1954 as the St. Lawrence State Hospital Employees Federal Credit Union, we have focused on making a positive impact on people’s lives.We are committed to honesty
Ed-Med Federal Credit Union was formed by the merger of two long existing credit unions: Ogdensburg Public Schools Employees Federal Credit Union and A.B.H.H. Employees Federal Credit Union. Our membership consists of employees in the education and medical field in the greater Ogdensburg NY area. We are a federally chartered credit union
Mountain Valley Federal Credit Union is a unique kind of financial self-help, non-profit institution organized in 1963 and the Mountain Valley (Peru) Federal Credit Union our members come first. The credit union exists for the benefit of its members by providing a variety of financial services and products at competitive rates
In 1971, SUNY Plattsburgh Federal Credit Union officially opened for business. Back in 1971, the SUNY Business & Economic Department, the United University Professions and Civil Service Employees, had a vision of providing a place where faculty and staff of SUNY Plattsburgh could save and get loans at fair rates.
