Explore the differences! FHA VS Conventional loan programs in Spencer, Tioga County, New York
In 2025, Convetional loan limit in Spencer, county of Tioga, NY is $726,200 while FHA limit is $472,030 for a single-family home.
Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NY is best for your particular financial situation.
2025 loan limits and downpayment requirments in Spencer, county of Tioga, NY
Loan Type
Loan Limit
Down payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The comparison table applies to zip codes: 14883
Conventional and FHA loan options in Spencer, NY
Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.
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