FHA VS Conventional loan in Waverly, Tioga County, New York

For 2025, 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.

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2025 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.

Results from Lendersa USDA loan requests and matches


  • The Hocking Valley Bank
  • Stimson & Palmer Streets, Athens, OH, 45701
  • In 1963, there were no locally owned banks in Athens County. Six forward thinking area business professionals saw a need and came together to start an independent community bank based in Athens. On August 12, 1963, Hocking Valley Bank opened its doors for business. More than 50 years later, we are still committed to local leadership
  • OUCU Financial
  • 944 East State Street, Athens, OH, 45701
  • Ohio University Credit Union has been open since 1955. It's the 18th largest credit union in Ohio with assets totaling $476.96 Million and providing banking services to more than 26, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans
  • Infinity Home Lending LLC
  • 555 Friendly Street, Pontiac, MI, 48341
  • 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
  • Dirigo Federal Credit Union
  • 20 Washington Street, Auburn, ME, 04210
  • Dirigo Federal Credit Union services members in the greater Lewiston/Auburn area including Mechanic Falls & South Paris and has for over 60 years! Dirigo FCU proudly serves the counties of Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, and York.
  • East Coast Mortgage Group
  • 316 Center Street, Auburn, ME, 04210
  • East Coast Mortgage Group is a mortgage broker that is located in Auburn, Maine that offers the best rates, terms and fast closings throughout the State of Maine. Since 2007, East Coast Mortgage Group has been a mortgage company that has excelled to meet the needs of Maine communities within Lewiston, ME, Auburn, ME and Portland
  • T&M Commercial Funding
  • 259 Minot Ave, Auburn, ME, 04210
  • T&M Commercial Funding provides equity based lending on all property types. We cater to Investors, brokers, Corporations and sub-prime money borrowers who do not meet the stringent requirements set forth by conventional lenders and banks. Our excellent reputation as a Direct Hard Money Lender has been built on our ability to provide fast financing
  • Oxford Bank
  • 60 S. Washington Street, Oxford, MI, 48371
  • Oxford Bank is the oldest commercial bank headquartered in Oxford, Michigan and has operated continuously under local ownership and management since 1884. We manage seven full-service bank branches, and four customer-focused remote offices located throughout Oakland, Genesee, and Lapeer counties.
  • Brick Financial Group LLC
  • 18 N Washington Street, Suite C, Oxford, MI, 48371
  • At Brick Financial Group our main goal is to provide an exceptional value while maintaining high service standards to all members of our extended community. In an ever changing mortgage market, where technology and robot loans are all the rage, we want to be the lender who is for the people, by the people.
  • Your Legacy Federal Credit Union
  • 25 Shaffer Park Drive, Tiffin, OH, 44883
  • "Your Legacy Federal Credit Union has been open since 1952. The credit union has assets totaling $80.09 Million and provides banking services to more than 7, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member"
  • The Old Fort Banking Company
  • 33 E Market St, Tiffin, OH, 44883
  • At Old Fort Bank, we have spent nearly 100 years sharing our knowledge and experience with our clients. By offering personal attention and sound advice, we assist our clients in making informed choices as they set a course to obtain their long-term financial goals and manage their day-to-day finances
  • Oxford Federal Credit Union
  • 225 River Road, Mexico, ME, 04257
  • Oxford Federal Credit Union is a not-for-profit financial institution that is owned and run by members like you. Our board of directors is democratically elected by our membership, and all members of Oxford FCU have one vote - regardless of the amount of money they have on deposit.
  • Community Focus Federal Credit Union
  • 18925 Telegraph Road, Brownstown, MI, 48174
  • Community Focus Federal Credit Union, formally National Steel Federal Credit Union, was originally chartered in 1960 as a financial cooperative serving the salaried employees of National Steel and their families. In January 2002, CFFCU became a community chartered credit union to better serve the National Steel employees