USDA VS FHA in Barton, Tioga County, NY

For 2025, the USDA loan cap in Barton, Tioga county, NY is $336,500, whereas the FHA lending limit for a single-family residence is $472,030.

Employ the Lendersa® USDA loan calculator to assess the top USDA versus FHA rates of today. Determine the financial prerequisites in terms of income, credit, reserves, and documentation needed to meet eligibility criteria. Our sophisticated mortgage calculator presents a comparison of USDA, FHA, Conforming, and VA options side by side, aiding in the selection of the best program for your financial needs in .

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Down payment requirements and loan caps for 2025 in Barton, Tioga county, NY

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

Exploring USDA and FHA loan pathways in Barton, NY

Lendersa® aims to promptly secure you an optimal USDA or FHA loan with ease. Choose among three approaches, each leading to matched lenders and USDA loan programs.

Matching results for Lendersa USDA loan requests

Understanding USDA Loans in NY

A USDA home loan is government-backed through the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, available solely in rural areas. Unlike FHA loans, which need at least a 3.5% down payment, USDA loans do not necessitate any such initial payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • FNCB Bank
  • 100 South Blakely Street, Scranton, PA, 18512
  • FNCB Bank was established as a National Banking Association in 1910 as The First National Bank of Dunmore. After 70 years of operating in one location at Dunmore Corners, the Bank expanded to Scranton (1980) and Dickson City (1984). On October 27, 1987, upon approval at a special shareholder's meeting
  • Fidelity Bank Pennsylvania
  • 101 North Blakely Street, Scranton, PA, 18512
  • Fidelity Bank has over 118 year history of exceeding its clients'​ expectations with engaging and client-focused employees who listen, understand, and recommend the products and services that best suit YOU. The team of Fidelity Bankers focuses on serving as trusted financial advisors to its clients
  • My City Mortgage
  • 1439 Monroe Ave, Suite 2, Dunmore, PA, 18512
  • My City Mortgage strives to provide applicants with a smooth, transparent loan process. Learn how we combine technology with unsurpassed customer service in order to provide customers with the most efficient mortgage process possible. My City Mortgage strives to provide applicants with a smooth, transparent loan process.
  • Mid Atlantic Funding, Inc.
  • 203 East Drinker Street, 2nd Floor, Dunmore, PA, 18512
  • Our mortgage professionals give you the personal attention you deserve & treat you with the respect due a valued customer.We understand you’re making a commitment in buying a new home, refinancing a mortgage or cashing out your home equity.So we make a commitment to you.We will help you qualify, apply & be approved for the right mortgage loan for y
  • Secny Federal Union Mortgage Department
  • PO Box 15040, Syracuse, NY, 13215
  • SECNY FEDERAL CREDIT UNION the credit union is a member-owned, non-profit, full-service financial institution. SECNY maintains its focus on education and commitment to going beyond just providing financial services. Any person working, living, worshipping, attending school, businesses and legal entities.
  • Spojnia Credit Union
  • 1006 Pittston Avenue, Scranton, PA, 18505
  • Spojnia Credit Union is a state-chartered, not-for-profit, full-service financial institution that is member-owned & controlled through a board of directors. The voluntary board, elected by the membership, establishes and revises the credit union’s policies and sets dividend rates so that you can earn more when you save & pay less when you borrow.
  • Invicta Mortgage Group
  • 230 Prospect Ave, Scranton, PA, 18505
  • We are a local company servicing Pennsylvania and Florida with more ease and flexibility than out-of-the box solutions. Our expertise is at your disposal. We take pride in personally handling your specific needs and walking you through the entire process.vania and Florida with more ease and flexibility than out-of-the box solutions.
  • Invicta Mortgage Group, Inc
  • 230 Prospect Ave, Scranton, PA, 18505
  • We are a local company servicing Pennsylvania and Florida with more ease and flexibility than out-of-the box solutions. Our expertise is at your disposal. We take pride in personally handling your specific needs and walking you through the entire process.vania and Florida with more ease and flexibility than out-of-the box solutions.
  • CityMark FCU
  • 225 S River Street, Plains, PA, 18705
  • CityMark FCU We were originally founded to serve the employees and family members of Wilkes-Barre City. Over the years, we have included Plains Township and Wilkes-Barre Township employees and their family members. In 2016, we were granted a community charter that allows us to serve anyone who lives, works, worships.
  • Navient Corporation
  • PO Box 9000, Wilkes Barre, PA, 18773
  • Navient (Nasdaq: NAVI) is a leader in education loan management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. The company helps its clients and millions of Americans achieve financial success through services and support.
  • Highway Federal Credit Union
  • 405 Laurel Street, Hughestown, PA, 18640
  • Highway Federal Credit Union. Although our services are similar to a bank, our philosophy is quite different. As a member-owned, non-profit financial institution, our credit union is run strictly for the benefit of our members. We strive to provide members with higher yields on savings and lower rates on loans.
  • SNFCU
  • 254 South Washington Street, Wilkes Barre, PA, 18701
  • The Saint Nicholas Federal Credit Union is a member of the Northeast Pennsylvania Chapter of Credit Unions. Federal credit unions are regulated by the National Credit Union Administration. A federal examiner audits the operation of each credit union once a year. Saint Nicholas Federal Credit Union has been a Federal credit union since 1938.