USDA Vs. FHA Pro and Con comparison 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.
The NCUA chartered the VAC Employees CU in 1949. Originally for the VA medical center. The Credit Union is now known as Steuben Citizens Federal Credit Union. Anyone who works, lives, or worships in Steuben County!! VA medical center. The Credit Union is now known as Steuben Citizens Federal
The Credit Union was established on February 24, 1936 as District #6 New York State Highway Employees and was located at 30 West Main Street in Hornell. Membership was primarily made up of NYS Department of Transportation employees that worked in Region 6 (Steuben, Allegany, Chemung, Schuyler and Yates Counties)
9823 Science Center Drive, Painted Post, NY, 14870
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ServU Federal Credit Union is a full service financial alternative to a bank. As a member owned financial cooperative, credit unions are not-for-profit. They function to serve their membership. As a result, credit unions are able to pay back higher dividends on savings and charge lower interest on loans. Money that is made by the credit union
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).
Finger Lakes Health Care Federal Credit Union is a full service, federally insured financial institution serving health care employees and their families in the Elmira-Watkins Glen area. Founded in 1974 FLHC’s main offices are located on the campus of the Arnot Ogden Medical Center in Elmira, NY.
Canandaigua FCU is a Credit Union that is a not-for-profit financial institution. Serving our members with financial products and services from savings to loans and everything in between. We have Mobile Banking, Home Banking and Bill Pay free to our members.Credit Union that is a not-for-profit financial institution.
CNB Mortgage Company we strive to make the mortgage process swift and simple - with local decision making and loan processing. Our experts will find a mortgage solution to fit your needs, offering portfolio mortgages, fixed rate mortgages, construction loans, home equities and Special Loan Programs.
Solutions Credit Union is a member-owned, not for profit financial institution that has served Elmira, Southport, Ashland and the surrounding communities since 1952. Today, with a commitment to serving our members, we have established $36 million dollars in assets as we continue to grow.
