USDA Loan Vs. FHA loan for Ogdensburg, NY [St. Lawrence County ]

In 2025, USDA loan limit in Ogdensburg, county of St. Lawrence, NY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Ogdensburg, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(802) 658-0225 Lender's profile and map Reviews Vermont Federal Credit Union 84 Pine Street, Burlington, VT, 05402 Vermont Federal Credit Union was founded in 1953 as the Burlington Postal Employees Credit Union. Just a short time later, the Credit Union was renamed to the U.S. Government Employees Credit Union of Chittenden County. Our connection to these roots remains strong as many government employees in Vermont are still loyal members.
(800) 528-2273 Lender's profile and map Reviews NorthCountry Federal Credit Union PO Box 64709, Burlington, VT, 05406 NorthCountry Federal Credit Union IN 1950, the employees of General Electric in Burlington, Vermont organized a credit union. The goal was to lend and borrow from one another at rates better than those offered by commercial banks. Over time, that little financial cooperative has grown into one of Vermont’s largest and most innovative credit unions.
(518) 585-6725 Lender's profile and map Reviews TrailNorth Federal Credit Union 1178 NYS Route 9N, Ticonderoga, NY, 12883 TrailNorth Federal Credit Union has been serving the financial needs of its members since 1954. TrailNorth provides membership. Persons who live, work, worship, or attend school in, or businesses or legal entities located in Essex, Washington, Warren, Clinton and Franklin Counties in New York and Addison County in Vermont.
(315) 638-0233 Lender's profile and map Reviews Seneca Savings 35 Oswego Street, Baldwinsville, NY, 13027 Seneca Savings is a community bank that feeds into a self-sustaining micro-economy by keeping funds right here in Central New York. The idea of “sustainability” is linked to a lot of our local activities these days. Funds taken in by the community are put to productive use by lending that money back into the Syracuse economic ecosystem.
(315) 437-0001 Lender's profile and map Reviews Quickline Capital Partners, Inc 4713 Crossroads Park Dr, Suite 101, Liverpool, NY, 13088 We help individuals and corporate borrowers secure the necessary capital, whether they need a refi, a stated income loan, fix-and-flip financing, or improvement financing. While some properties are harder to finance than others, most anything can be financed with some expert help. We can finance.
(802) 660-7969 Lender's profile and map Reviews Vermont Home Mortgage Group 950 Shelburne Rd, South Burlington, VT, 05403 Vermont Home Mortgage Group is committed to helping you find the right mortgage product for your needs. Paul Cannizzaro brings 31 years of experience in mortgage lending in Vermont. As an award winning mortgage broker for Bank of Vermont, BancBoston Mortgage Corporation and Vermont Federal Bank.
(800) 343-8979 Lender's profile and map Reviews Paragon Home Loans, Inc 225 Greenfield Parkway, Suite, Suite 207, Liverpool, NY, 13088 Paragon Home Loans, Inc. is a licensed mortgage banker by the New York State Department of Financial Services. Founded in 1976, Paragon Home Loans focuses exclusively on the residential mortgage needs of its customers. We have eight convenient locations in Syracuse, Buffalo, Plattsburgh, Binghamton, Utica, Lake Placid, Cortland and Corning.
(802) 782-6376 Lender's profile and map Reviews PEOPLES TRUST COMPANY OF ST ALBANS 25 Kingman Street, Saint Albans, VT, 05478 Peoples Trust Company was founded by an Act of the General Assembly of the State of Vermont on November 12, 1886. Since our inception, we have enjoyed a commitment to the Vermont tradition of service, quality and value. We believe that banking is about building relationships, making people’s lives easier, and helping folks realize their goals.
(315) 484-2201 Lender's profile and map Reviews Solvay Bank 1537 Milton Ave, Syracuse, NY, 13209 Serving the Greater Central New York community for 100 years, Solvay Bank continues to strive to provide consumers and small business customers outstanding service and quality financial products. We are a people-oriented, independent, commercial bank that focuses on meeting the needs of the communities we serve.
(315) 488-4433 Lender's profile and map Reviews ACMG Federal Credit Union 1753 Milton Avenue, Syracuse, NY, 13209 ACMG Federal Credit Union exists solely to serve the needs of our members by providing them the tools they need to manage their everyday finances and assist them in reaching their financial goals. Think of us as a resource that provides both a safe place to save your money, and a honest place to borrow money.
(315) 484-2205 Lender's profile and map Reviews Solvay Bank 1537 Milton Ave, Solvay, NY, 13209 Founded in 1917, Solvay Bank is the oldest commercial bank in Central New York. We have nine locations in the Greater Syracuse area.Our mission is to provide the best experience for our customers to help make their financial dreams come true, while upholding socially responsible and community-minded principles, and delivering value to our sharehold