USDA Vs. FHA Pro and Con comparison in Candor, Tioga County, NY

For 2025, the USDA loan cap in Candor, in Tioga County, NY, is $336,500, while the FHA limit for a single-family home stands at $472,030.

Use the Lendersa® USDA loan calculator to evaluate today's best USDA and FHA rates. Understand the income, credit score, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Candor, Tioga County, NY

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

Explore USDA and FHA Loan Options in Candor, NY

The aim of Lendersa® is to connect you efficiently with the best USDA or FHA loans available. Choose one of three starting methods to find matching lenders and compatible USDA loan programs.

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Understanding USDA Loans in NY

The USDA home loan is backed by the government Department of Agriculture, known as the USDA rural development loan or mortgage, and is available exclusively in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans need no down payment.

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



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  • 4640 SW Macadam Ave, Suite 90, Portland, OR, 97239
  • Finding and financing your home is a huge investment in time and money. Your home equity should enhance your financial future. Not be a burden. Unfortunately, most home owners miss out on wealth-building opportunities ​because the industry just isn’t set up to help them make smart borrowing decisions.
  • Schmidt Home Loans
  • 4700 S Macadam Avenue, Portland, OR, 97239
  • Kevin Schmidt has been in the mortgage business since 1993. A native Oregonian, Kevin grew up in Southern Oregon and graduated from the University of Oregon where he received his Bachelor’s Degree in Finance and Marketing. Kevin prides himself on providing the expertise needed in today’s environment, excellent service,
  • Summit Mortgage Corporation
  • 4700 S Macadam Avenue, Portland, OR, 97239
  • Summit Mortgage Corporation has been embedded in the Pacific Northwest since 1997. We like to consider ourselves locals and pride ourselves on that fact. We’re locally owned and operated, so we understand what matters to people who live here. We’re also connected to mortgage banking resources nationwide.
  • Associated Mortgage Group, Inc.
  • 5200 S Macadam Avenue, Suite 200, Portland, OR, 97239
  • Associated Mortgage Group, Inc. d/b/a Associated Mortgage Brokers is a privately owned mortgage broker firm founded in 1989 based on the premise that our customers want to work with experienced professionals who provide them with multiple loan programs for residential home mortgage loans.
  • Altamont Mortgage Funding, Inc
  • 4380 SW Macadam Ave, Suite 125, Portland, OR, 97239
  • Altamont Mortgage Funding, NMLS #221360, understands that the mortgage loan process doesn’t have to be a long and daunting experience. Our team is dedicated to individualized customer attention while making the mortgage loan process easier to understand so your financial goals are met.
  • Ryder Mortgage Group
  • 41690 Ivy Street, Suite B, Murrieta, CA, 92562
  • At Ryder Mortgage Group we pride ourselves on our knowledge, professionalism, personal service, and competitive rates. We offer a diverse and comprehensive line of loan products to fit all of your mortgage needs. Integrity is the cornerstone of our business, and we believe a mortgage is about building relationships.
  • Freedom Mortgage
  • 41185 Golden Gate Circle, Suite 201, Murrieta, CA, 92562
  • Real Estate Finance is my Expertise. Mortgage Loans & Lending are my passion. I help clients on a Daily Basis obtain financing even if they have been told no in the past. I exhaust all avenues to obtain a Mortgage for my Clients. For Years I have put clients into homes that never thought it was possible with little or no $$ out of their pockets.
  • Larry Locke Pro-Funders Inc
  • 25096 Jefferson Avenue, Suite B-213, Murrieta, CA, 92562
  • Larry Locke, one of the best mortgage brokers in Murrieta, CA. I am completely committed to customer satisfaction. Larry Locke dedicated to giving his clients service that exceeds their expectations. Because of that dedication to excellence, nearly 100% of my clients are referrals from previous clients and real estate professionals.