USDA Loan Vs. FHA loan for Watertown, NY 2026

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.

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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(229) 247-9930 Lender's profile and map Reviews Valdosta Teachers' Federal Credit Union 102 E. Force Street, Valdosta, GA, 31601 The Valdosta Teachers' Federal Credit Union was organized in 1958. The first Board of Directors were: Fredeva Ogletree, President; A.W. Basemore, Vice-President; Nan Allen, Treasurer; Walter Harrison, Secretary. Other Directors included: Ms. Willie Dewberry, Hadley McDuffie and Clara Stipe.
(229) 244-4513 Lender's profile and map Reviews Locoga Federal Credit Union 1592 Norman Dr, Valdosta, GA, 31601 Locoga Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder - or an owner - of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
(229) 253-1111 Lender's profile and map Reviews Georgia Power Valdosta Federal Credit Union 1707 Dow St, Valdosta, GA, 31601 Georgia Power Valdosta Federal Credit Union was granted a federal charter in March 1958 to serve the financial needs of the Georgia Power Company employees and their families across the southern tier of the state. It remained a single sponsored occupationally bonded credit union until 1995.
(816) 628-6666 Lender's profile and map Reviews Kearney Trust Company 310 West 92 Highway, Kearney, MO, 64060 Kearney Trust Company commit to consistently strive to uphold integrity, trust and exemplary service. We promise to engage in a continuous pursuit in the creation of an atmosphere in which the company can prosper and profit while serving the needs of the community and customers. Our first location was on the southwest corner of Washington.
(660) 582-5747 Lender's profile and map Reviews Northwest Missouri Regional Credit Union 26155 Stolls Country Lane, Maryville, MO, 64468 Chartered in 1933, Northwest Missouri Regional Credit Union is a not-for-profit financial cooperative, owned, controlled, and operated for the benefit of its members. Since there are no outside stockholders to satisfy, the credit union can return a greater percentage of its income to you
(800) 318-3159 Lender's profile and map Reviews Florida Capital Bank 10151 Deerwood Park Blvd, Building 100, Suite 200, Jacksonville, FL, 32256 FLCBank is a leader in the banking industry focusing on solutions for the financial well-being of businesses and their owners. We are a nationally chartered bank headquartered in Jacksonville, Florida with full service branches located in Gainesville, Orlando, Tampa Bay, and Jacksonville
(904) 292-1212 Lender's profile and map Reviews Bankers Home Mortgage 10175 Fortune Parkway, Unit 1004, Jacksonville, FL, 32256 We offer the best mortgage tools available on the Internet easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
(386) 793-5631 Lender's profile and map Reviews Florida Homes Realty and Mortgage 11512 Lake Mead Ave, Jacksonville, FL, 32256 With years of experience helping local buyers and sellers just like yourself, we know how to locate the finest properties and negotiate the best deals. It's our job to know about the latest market conditions, government regulations, and upcoming developments — so that you don't have to.
(904) 755-0307 Lender's profile and map Reviews North Florida Mortgage Brokers 7998 Joshua Tree Ln, Jacksonville, FL, 32256 NFL Mortgage Brokers was founded by Timothy Newman in Jacksonville, FL. on the principals of competitive pricing, speed, & quality-of-service from start-to-finish.Whether you’re looking to purchase your first home, refinance a current mortgage, or purchase your next investment property – NFL Mortgage Brokers has the right mortgage solution for you!
(904) 245-1955 Lender's profile and map Reviews City & Police Home Financing 8011 Philips Highway, Suite 1, Jacksonville, FL, 32256 CU Home Mortgage, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it and also We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today
(904) 448-2595 Lender's profile and map Reviews Coastline Home Mortgage 8011 Philips Highway, Suite 1, Jacksonville, FL, 32256 Coastline Home Mortgage, LLC is located in Jacksonville, FL, United States and is part of the Nondepository Credit Intermediation Industry. Coastline Home Mortgage, LLC has 6 total employees across all of its locations and generates $1.19 million in sales (USD). (Sales figure is modelled). There are 4 companies in the Coastline Home Mortgage.