In 2026, the USDA loan limit in Cayuga-Heights, Tompkins, NY, is $285,000 while the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare today's top rates for USDA and FHA loans. Evaluate the necessary income, credit score, reserves, and documents needed for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA side-by-side to help determine the best option for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to secure the best USDA or FHA loan quickly and easily. Choose from one of three starting points that lead to matches with lenders and the USDA loan programs.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is available only in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans have no down payment requirement, offering a significant benefit to eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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