FHA Vs. USDA loan program for Watertown, Jefferson County, New York

In 2025, 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.

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.

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Defining USDA Loans in NY

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.

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3148852262 Lender's profile and map Reviews Nathan Capital Group PO Box 19743, Saint Louis, MO, 63109 Nathan Capital Group offers primarily bridge loans & ground up construction financing secured by commercial properties and development projects nationwide. Including Canada & UK. We are dedicated to providing the best transaction process, with a focus on dependability, customer service, and integrity.
(314) 645-0666 Lender's profile and map Reviews CNB St. Louis Bank 7305 Manchester Rd, Saint Louis, MO, 63143 We are an independently owned community bank and have been since our founding in 1915, making us one of the oldest banks in the state of Missouri. Since then CNB St. Louis Bank has continued to serve our community and customers with a focus on personal service, positive experience, and accessibility.
(404) 978-0080 Lender's profile and map Reviews MembersFirst Credit Union 2476 Lawrenceville Hwy, Decatur, GA, 30033 Established in 1953, and named by and for its members, MembersFirst Credit Union has a tradition of serving those who serve others. The vast majority of our members provide daily care and nurturing to our loved ones. We proudly partner with some of the best healthcare facilities in the state of Georgia
(678) 539-8088 Lender's profile and map Reviews STELLAR Mortgage Corporation 3455 Peachtree Road NE, 5th Floor, Atlanta, GA, 30326 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(404) 919-0593 Lender's profile and map Reviews Charmaine Roberts & Associates LLC 3355 Lenox Road, Suite 1000, Snellville, GA, 30326 Charmaine Roberts & Associates LLC mortgage broker with over 18 years experience in the mortgage industry. I've partnered with multiple lenders that finance good credit and credit challenged borrowers. Getting approved for a home loan is a multi layered qualification process I'll guide you through.
(229) 886-6780 Lender's profile and map Reviews EMG MORTGAGE 3344 Peachtree Rd NE, Suite 2902, Atlanta, GA, 30326 EMG Mortgage is a division of Ellis Management Group LLC, a locally owned mortgage company established in 1996. The owner and President of the company, Mary Ellis, has been in the Lending Industry for almost 40 years. Our main office is located in Albany, GA with a branch office in Atlanta, GA.
(678) 631-3217 Lender's profile and map Reviews POST CREEK MORTGAGE, LLC 3348 Peachtree Rd NE, Suite 700, Atlanta, GA, 30326 Welcome to Post Creek Mortgage, where we specialize in residential mortgages. At Post Creek Mortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
(877) 455-0440 Lender's profile and map Reviews Direct Lenders, LLC. . 1600 Kennesaw Due West Rd NW, Suite 610, Kennesaw, GA, 30152 Direct Lenders, LLC is a locally owned, but nationally known mortgage lending company located in Kennesaw, Georgia. The company was started in 2011 when CEO, Randy Bristol and President, Kevin Bonds turned their lives work into their dream of owning a successful and honest company.
(618) 742-6205 Lender's profile and map Reviews First State Bank of Olmsted 0185 N Front St, Olmsted, IL, 62970 Since 1921, the First State Bank of Olmsted has been providing financial services and products to Pulaski County and contiguous areas. An application for permission to organize the First State Bank of Olmsted was submitted to Springfield, IL on August 6, 1921. Forty-nine area individuals raised $20,000 in capital stock.
(218) 485-4441 Lender's profile and map Reviews The First National Bank of Moose Lake 400 Elm Avenue, Moose Lake, MN, 55767 First National Bank of Moose Lake is a locally owned community bank dedicated to providing caring personal service, maintaining a knowledgeable staff and building long lasting customer relationships. Demonstrating dedication to our customers, community and employees by providing meaningful conversations and services,
(618) 826-5038 Lender's profile and map Reviews Chester National Bank 1112 State St., Chester, IL, 62233 Chester National Bank is located approximately 60 miles south of St. Louis, Missouri on the Mississippi River with its Main Office located in Chester, Illinois, "The Home of Popeye". Originally organized in 1919, Chester National Bank conducts business from the main office in Chester, IL with two full service offices.