USDA Loan Vs. FHA loan pro & con Cayuga-Heights, Tompkins County, NY

In 2025, 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 .

USDA and FHA Loan Choices in Cayuga-Heights, NY

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.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

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.

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(720) 464-5343 Lender's profile and map Reviews Metro Mortgage Group LLC 825 E Speer Blvd, Suite 206, Denver, CO, 80218 At Metro Mortgage Group, experience the difference that Genuine personal service makes when buying or refinancing your home. Experience the difference. Extensive knowledge and experience, paired with excellent lender relationships, allows Metro Mortgage Group to offer our clients mortgage solutions that meet their individual needs and goals.
(303) 893-6497 Lender's profile and map Reviews Northstar Mortgage: Phil A. Trujillo 387 Corona St, Suite 563, Denver, CO, 80218 Northstar Mortgage is a mortgage broker firm dedicated not only to provide you with the best combination of service, product, and rates but as well as to work hand in hand with you so we meet your personal goals. With over twenty years of combined mortgage lending experience you are sure to get the best advice to meet your needs.
(303) 223-1880 Lender's profile and map Reviews US Mortgage Solutions 1424 N Clarkson Street, Denver, CO, 80218 Our mission is to serve our customers with pride, honesty, and integrity. Our goal is to provide our clients with very competitive interest rates at a discounted cost. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a mortgage. US Mortgage Solutions, LLC is an established Mortgage Broker.
(303) 779-0591 Lender's profile and map Reviews Mortgage Maestro Group 387 North Corona Street, Suite 646, Denver, CO, 80218 At the Mortgage Maestro Group, we are here to help you navigate through the complicated seas of house-hunting to the promised land of home ownership. Whether you are refinancing, a first-time buyer, buying a rental property, or you’re finally ready for your dream home, we have you covered. Let our experts guide you through the maze.
(303) 458-1100 Lender's profile and map Reviews Cardinal Financial Inc 1299 Gilpin Street, Denver, CO, 80218 Cardinal Financial makes many kinds of short term real estate loans secured by property in Colorado. Loans include purchases of income property, fix and flip loans loans to LLCs, corporations, trusts and other entities as well as loans to settle estates and auction bidding loans. We can commit to a loan.
(303) 321-4209 Lender's profile and map Reviews Westerra Credit Union 3700 East Alameda Ave, Denver, CO, 80209 Westerra Credit Union has a startup agile mentality with rich 85-year history. At nearly $1.7 billion in assets we are taking the opportunity to lean into new technology and improve member access to financial services. We are implementing new products and adjusting others so that we can effectively meet both the big life events
(303) 377-4181 Lender's profile and map Reviews Montegra Capital Resources, LTD 3200 Cherry Creek S Dr, Suite 200, Denver, CO, 80209 Montegra Capital Resources has served as Colorado’s premier hard money lender, developing a reputation as a trusted source for hard money and bridge loans in Colorado and the Rocky Mountain Region. Montegra is a direct hard money lender, not a loan broker, and as such has complete control over the funds issued and the decisions made.
(720) 963-5511 Lender's profile and map Reviews Native American Bank, National Association 201 N. Broadway, Denver, CO, 80203 The Native American Bancorporation serves as the holding company for Native American Bank, N.A. and is a Community Development Institution (CDI) whose purpose is to promote economic development in areas that are underserved by traditional financial institutions. Chartered as a national community development focused bank.
(303) 861-4100 Lender's profile and map Reviews Preferred Lending Partners 1580 Logan Street, Suite 340, Denver, CO, 80203 Preferred Lending Partners, was founded in 1985 and is a not-for-profit Certified Development Company for all of Colorado primarily focusing on counties of Adams, Boulder, Broomfield, Denver. Preferred Lending Partners specializes in SBA 504 loans for small businesses we can also lead you through the rewarding endeavor of acquiring your own assets.
(303) 832-4816 Lender's profile and map Reviews Credit Union of Colorado 1390 Logan St, Denver, CO, 80203 Our goal is to add value to the lives of our members, employees, and the greater community. To do that, we believe in acting a certain way and look to our core values to guide us in every decision we make. We have a long history of providing excellent financial products and services to our members, and will uphold our commitment.
(303) 946-3436 Lender's profile and map Reviews Expect LLC 232 North Broadway, Unit 9, Denver, CO, 80203 Expect Mortgage Co are home loan and refinance specialists serving clients in the beautiful state of Colorado. We provide honest, transparent, and trustworthy home loan origination and refinance services. We have established a unique value prop that we feel resonates well with first-time home buyers.
(303) 778-5702 Lender's profile and map Reviews Porter Federal Credit Union 850 E Harvard Ave, Suite G-45, Denver, CO, 80210 Porter Federal Credit Union serves the employees of Centura Health – we are located on the campus of Porter Adventist Hospital in Denver. Our office is located in the Harvard Park West medical building behind Porter Adventist Hospital at: 850 E Harvard Ave G-45, Denver, CO 80210.