As of 2026, the USDA loan limit in Binghamton, Broome county, NY is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
With the Lendersa® USDA loan calculator, you can compare today's optimal USDA and FHA rates. It helps determine the income, credit, reserves, and necessary paperwork for qualification. Using our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side to select the most suitable program for your financial needs in
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| Type of Loan | Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® seeks to provide you with the best USDA or FHA loan options swiftly and with ease. Choose one of the three starting points to connect with lenders that offer USDA loan programs.
A USDA home loan is a mortgage endorsed by the Department of Agriculture, also known as a USDA Rural Development Loan. These are intended exclusively for rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans have no down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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