FHA VS Conventional loan in Groton, Tompkins County, New York

In 2026, the Conventional loan limit for Groton, Tompkins County, NY, is $726,200 for a single-family home. The FHA limit is $472,030, applicable to similar properties.

Utilize Lendersa®'s Conventional loan calculator to evaluate the best rates available today between Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in selecting the optimal program in NY.

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Loan Limits and Downpayment Requirements for 2026 in Groton, Tompkins County, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table is relevant for the following zip codes: 13102

Available Conventional and FHA Loan Options in Groton, NY

Lendersa® is committed to securing you the best available Conventional, USDA, or FHA loan options quickly and hassle-free. Choose one of three starting paths that connect you with suitable lenders and programs.

Results for USDA loan requests with Lendersa


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  • ZABE Mortgage Group
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  • Debtcraft provides its partners and co-investors with high quality investment opportunities and to provide the borrowing community a reliable source of debt and equity for their real estate, business and entrepreneurial pursuits. Call us to learn how to join us as investors or to see if we can assist you with your capital request.

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  • CR Funding Inc.
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    We believe in developing a deep, transparent relationship with our clients. With our experience, we deli

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  • 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.

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