In 2026, the USDA loan limit in Theresa, found in Jefferson, NY, stands at $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, identifying the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA programs side by side, aiding you in selecting the best option for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Theresa, Jefferson, 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 Theresa, NY
Lendersa® strives to quickly provide you with the best USDA or FHA loan options without hassle. Choose one of three starting paths to connect with lenders and explore USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage does not require any down payment.
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