FHA VS Conventional loan programs in 2026 for Waverly, Tioga County, New York
For 2026, the Conventional loan limit in Waverly, situated in Tioga County, NY, is set at $726,200. In contrast, the FHA limit for a single-family home reaches $472,030.
Utilize the Lendersa® Conventional loan calculator to compare today's top rates among Conventional, FHA, and USDA loans. Evaluate the income, credit, reserves, and documentation requirements for qualification. Our advanced mortgage calculator displays Conforming Conventional loans along with USDA, FHA, and VA side by side, assisting you in selecting the most fitting program in NY based on your financial circumstances.
2026 Loan Limits and Downpayment Requirements in Waverly, Tioga 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 applicable to zip codes: 14892
Available Options for Conventional and FHA Loans in Waverly, NY
The purpose of Lendersa® is to promptly connect you with the optimal Conventional, USDA, or FHA loans, without hassle. Choose one of the three starting paths to match with lenders and effective loan programs.
Elmira Savings Bank is a full service community bank headquartered in Elmira, NY. The bank currently has thirteen full-service locations in Chemung, Tompkins, Cayuga & Steuben Counties, as well as one loan center located in Broome County. Elmira Savings Bank strives to provide above-average returns to our shareholders while providing a broad range.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Alternatives is a regional Community Development Credit Union (CDCU) & a Community Development Financial Institution (CDFI). Our mission is to build wealth & create economic opportunity for underserved people & communities. Our vision is to lead an economic movement to create thriving, empowered communities with financial freedom for everyone.
Our mission is to provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge & ability of our members to manage & control their financial well-being; to provide sound financial management.
At Visions, we condemn racism, violence, discrimination, and hatred toward any person or persons. It is in our foundation as a credit union to accept and serve all members equally, regardless of their race, social status, or financial position This spirit of inclusion extends to our homes and our employees, too.
CCU was founded in 1936 with the goal of helping Corning Glass Works employees with their financial needs. We started with 42 members and $420 in assets. Over the years, we've opened offices in North Carolina and Pennsylvania, in addition to the 10 offices in the Corning/Elmira, New York area.
Our credit union was founded and chartered for business in 1954 by a group of 10 employees at the Ingersoll-Rand Company. Spearheaded by Harold Davis, the Ingersoll-Rand Union President, this group signed the original paperwork to have our credit union recognized by the National Credit Union Administration (NCUA).
