USDA and FHA Pro and Con in Bath, Steuben County, NY
In 2026, the USDA loan limit for Bath, located in the county of Steuben, NY, is $336,500, whereas for a single-family home, the FHA loan limit is $472,030.
Employ the Lendersa® USDA loan calculator to evaluate today's leading USDA and FHA rates. It helps ascertain the necessary income, credit score, reserves, and documentation for eligibility. Our comprehensive mortgage calculator allows you to juxtapose USDA, FHA, Conforming, and VA loan programs, guiding your choice for the most suitable option for your financial scenario, such as in Alabama.
2026 Loan Limits and Down Payment Requirements for Bath, County of Steuben, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options Available in Bath, NY
The goal of Lendersa® is to facilitate access to prime USDA or FHA loans efficiently and with ease. Choose from three initial paths to connect with lenders and relevant USDA loan programs.
The USDA home loan, guaranteed by the government’s Department of Agriculture, is also known as the USDA rural development loan or mortgage, accessible only in rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, the USDA mortgage offers a zero-down-payment option.
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