In 2026, within Watertown, which is part of Jefferson, NY, the USDA loan limit for a single-family home is set at $336,500, while the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare today's USDA versus FHA rates to determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator provides a view of USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best fits your finances.
Loan Limits and Down Payment Requirements for 2026 in Watertown, Jefferson, 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 Watertown, NY
Lendersa® strives to quickly provide you with the best USDA or FHA loan without hassle. Select one of three pathways to connect with lenders and explore USDA loan programs.
A USDA home loan, supported by the Department of Agriculture and also called the USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment at all.
HomeTown Credit Union is a not-for-profit financial cooperative owned by members. Serving the communities of Dodge, Rice, Steele and Waseca counties in Southern Minnesota, HomeTown Credit Union has two locations in Owatonna and one location in Faribault. Loan options include home loans, land loans, personal loans, auto loans, school loans and more.
Anoka Hennepin Credit Union (AHCU) was founded in 1962 by 13 employees of the Anoka Hennepin School District. Our roots will always honor its decades of service as a "school focused" credit union, serving the largest school district in Minnesota. Today, we continue to be united by a vision of enriching the lives of our members.
1650 West 82nd Street, Suite 1500, Bloomington, MN, 55431
At United Banker's Bank, “First for Your Success” is more than just our tagline; it's a promise and a guiding principle that establishes the success of each and every customer as our number one priority. UBB pioneered the bankers' bank model and for more than 45 years we have placed the needs and success of our community bank customers
Star Choice is a not for profit financial institution owned and operated entirely by our members. Star Choice Credit Union has been happily serving members since 1931. We are dedicated to making sure you love what we do and keep coming back. We still carry out the tradition of people-helping-people by building strong financial futures.
3500 American Blvd West, Suite 500, Minneapolis, MN, 55431
We offer clients the ideal combination of a strong national company capable of attracting a wide range of capital sources, a personalized approach to buying and selling multifamily properties, exceptional knowledge of local markets, and a robust loan servicing operation to manage the life of your loan.
Durden Banking Company, Inc. with offices located in Twin City, Swainsboro, Metter and Millen serves a growing customer base. The bank still operates under that same simple plan for success– “serving the needs of the communities we serve”. This focus has been and will continue to be the foundation for our success.
101 Devant Street, Suite 704, Fayetteville, GA, 30214
Southern Crescent Mortgage will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help.
The Southern Credit Union has long established itself as a provider of numerous low-cost services.Profits are returned to the members in the form of higher dividend rates on savings, lower rates on loans, and in some cases, no fees at all.Credit Union has long established itself as a provider of numerous low-cost services.
500 W Lanier Ave, Suite 503, Fayetteville, GA, 30214
Georgia Mortgage Services, Inc has been putting the borrower first with low rates and superior service since 1988. We are structured as both a mortgage broker and a mortgage lender in order to offer as many available products at the best deals possible. Our strength is education as we believe that the more you understand the mortgage process
Lakeview Bank In a marketplace that is overcrowded with banks, our objective is simple and straightforward: offer high quality banking products and services to meet your needs, utilize state-of-the-art technology to improve your efficiency, and employ professional people in a cordial environment to make working with us easy. So whether you are look
16233 Kenyon Avenue, Suite 120, Lakeville, MN, 55044
AMERICAN LAND & CAPITAL providing construction mortgage loan financing for builders, remodelers and land developers in Minnesota, Wisconsin, North Dakota, South Dakota, and Florida. Call AMERICAN LAND & CAPITAL for construction mortgages in the upper midwest.
AMERICAN LAND & CAPITAL services include New Home Construction Mortgages, etc
