USDA Loan Vs. FHA loan for Watertown, NY [Jefferson County Rates 2023]

In 2025, USDA loan limit in Watertown, county of Jefferson, 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 Watertown, 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.

(505) 881-0801 1732 miles Lender's profile and map Reviews Infiniti Mortgage, LLC 4801 Lang Ave NE, Suite 110, Albuquerque, NM, 87109 Infiniti Mortgage, LLC has been offering professional mortgage brokering services to homebuyers in Albuquerque and all of New Mexico since 2000. Since then we have earned a reputation as the most trusted mortgage brokers in Albuquerque. We are always striving to attain the highest level of customer service satisfaction and trust
(505) 995-1200 1732 miles Lender's profile and map Reviews Century Bank 8220 San Pedro Drive NE, Suite 200, Albuquerque, NM, 87113 Century Bank was established in the Great State of New Mexico in 1887. Century Bank is a state chartered and locally owned, full service community bank. Century Bank is proud to support New Mexico's financial needs including: commercial loans, mortgage loans, consumer loans, deposit products, wealth management
(505) 836-5700 1732 miles Lender's profile and map Reviews Indigo Mortgage 5501 Eagle Rock Ave NE, Bldg B, Albuquerque, NM, 87113 Indigo Mortgage is committed to an ethical process throughout all aspects of any mortgage loan transaction. We strive to treat each & every borrower with respect & we never forget that there are real people making real decisions.Indigo Mortgage understands that the needs of the client always come before the need of profits.
5054410404 1733 miles Lender's profile and map Reviews REP Financial LLC 6001 Menaul Blvd NE #1216, Albuquerque, NM, 87110 At REP Financial, we provide fast, flexible funding for real estate investors—whether you’re flipping, renting, or developing. We bridge the gap between your goals and real results, offering solutions for tight timelines, high DTI, and income documentation challenges. Our relationship-driven approach helps investors scale with strategic, long-term
(505) 880-1700 1733 miles Lender's profile and map Reviews Main Bank 7300 Menaul Blvd NE, Albuquerque, NM, 87110 Main Bank has a long history of serving Albuquerque’s personal and business banking needs. Originally chartered in 1975 as Plaza Del Sol National Bank, the bank has undergone a series of changes. In 1995, the bank was sold, became a state chartered bank called Interamerica Bank and moved to 2424 Louisiana Blvd., NE in Albuquerque.
(505) 881-2000 1733 miles Lender's profile and map Reviews Accurate Mortgage 6605 Uptown Boulevard Northeast, Suite 260, Albuquerque, NM, 87110 Accurate 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 you qualify.
(505) 875-6700 1733 miles Lender's profile and map Reviews Weststar Mortgage & Escrow 2155 Louisiana Blvd. NE, Suite 8000, Albuquerque, NM, 87110 Weststar Mortgage Corporation is a privately owned company established in 1983 in Albuquerque, New Mexico where it maintains corporate headquarters to this day. The firm's primary initial focus was to develop specialized software that enabled the company to deliver best-of-breed loan servicing solutions to clients who offered seller financing.
(505) 292-3200 1733 miles Lender's profile and map Reviews New Mexico Mortgage Company 6303 Indian School Road NE, Suite 104, Albuquerque, NM, 87110 The New Mexico Mortgage Company Team is your premier mortgage team located in New Mexico. We pride ourselves on offering a variety of programs and competitive rates and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the state of New Mexico.
(956) 722-3971 1734 miles Lender's profile and map Reviews Laredo Federal Credit Union 1119 Corpus Christi Street, Laredo, TX, 78040 Laredo Federal Credit Union’s mission is guided by moral and ethical principles of honesty and responsibility to provide its members efficient, courteous, caring and professional financial services. On May 10, 1956, a group of teachers held a meeting to organize a federal credit union, Laredo Teachers Federal Credit Union.
(432) 336-3331 1735 miles Lender's profile and map Reviews The Pecos County State Bank 500 North Main Street, Fort Stockton, TX, 79735 The charter of the Pecos County State Bank was dated March 22, 1928. The bank opened for business on July 3, 1928, in the old First State Bank building located on the corner of First and Main in Fort Stockton, Texas. Opening Capital was $25,000.00 with a surplus of $6,250.00. The first officers were J.M. Montgomery,
(956) 546-3108 1735 miles Lender's profile and map Reviews Valley Federal Credit Union 183 E Price Road, Brownsville, TX, 78521 Valley Federal Credit Union is a progressive, family-oriented financial institution, 10, 000 members strong. It was chartered in 1935 as only a five-member institution in a home of one of its chartered members on Levee St. in Brownsville, TX. VFCU offers services other banks and credit unions may not.