USDA Vs. FHA your options comparison in Watertown, Jefferson County, NY
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.
T.Brooks & Associates: Elevating Business Innovation I get you fast funding when banks say no. As your hard money broker, I connect you directly with private lenders who move quick, offer flexible terms, and close deals others can’t. My job is simple—get you the money you need to secure your property and profit.
Watertown Savings Bank, a FDIC insured institution, remains true to its mission of conducting business in the best interest of the community and the Jefferson County area for the long term. We are ""Committed to our Community and Committed to our Customers"" and we look forward to serving you
WPFCU was established in April, 1949 and is a member-owned, not for profit, financial corporation. Our Charter is limited to Postal Workers and their families and organizations of such persons. Our Mission is to provide competitive services to meet the needs of the Members and to promote membership growth while maintaining the security of funds.
317 Washington Street, 4th Floor, Watertown, NY, 13601
Lends in New York
At State CS Employees FCU, we are more than your average credit union. We take the time to get to know you and understand your needs. Times are tough and we get that. That’s why we’ve provided a whole host of ways for you to save money while enjoying the things you do. We proudly service qualifying members in Clinton, Franklin, Jefferson, Lewis.
Back in 1955, a group of New York Air Brake employees founded Northern Federal Credit Union in Watertown, New York. Their goal was to create a safe, secure place where employees could grow their savings and obtain loans at reasonable rates something the existing financial institutions in town weren't providing.
Carthage Savings is a customer owned "Mutual" association. We answer to our customers, not stockholders. We are here to serve our customers with no conflicting profitability pressures. A "Mutual" is similar to a Credit Union with the exception that we pay income taxes. Carthage Savings was founded in 1888
Citizens Bank of Cape Vincent has been a part of the local community for almost 100 years. We have now grown to 3 locations, serving over 7200 customers throughout the local communities. We provide various products including checking and savings accounts, mortgage loans, automobile loans, certificates of deposit, safe deposit boxes, and more.
It is our mission to invest in, support and nurture the communities we serve. We will endeavor to be a supportive financial partner and we shall provide a close, personal and confidential relationship for each of our customers consistent with safe banking practices. It is our mission to provide a challenging and rewarding environment for our staff.
Our company mission is to foster relationships with individuals and businesses within our communities to be the financial provider of choice. Our goal is to continually enhance the value of the bank for the benefit of our shareholders, customers, employees and communities. Pathfinder Bank has been serving the Central New York community since 1859.
