USDA Vs. FHA your options comparison in Cayuga-Heights, Tompkins County, NY
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 .
2026 Loan Limits and Down Payment Requirements in Cayuga-Heights, Tompkins, NY
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
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.
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.
Tompkins Employees Federal Credit Union, Ithaca, NY, 14850
Lends in New York
The Tompkins Employees Federal Credit Union (TEFCU) is organized to serve people who live, work and/or own a business in Tompkins County. As a community based financial institution, owned and operated by our members, our purpose is to provide financial advice and competitive priced line of financial products
Alternatives is a regional Community Development Credit Union (CDCU) & a Community Development Financial Institution (CDFI). Our mission is to build wealth & create economic opportunity for underserved people & communities. Our vision is to lead an economic movement to create thriving, empowered communities with financial freedom for everyone.
Our mission is to provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge & ability of our members to manage & control their financial well-being; to provide sound financial management.
The First National Bank of Dryden has been involved in our local community for over a century. We keep the business local and we keep the customer service local. The person answering our phone will never be automated.Over time, we've expanded into the Cortland area and most recently the historic district of Homer
The First National Bank of Groton has been proudly serving the area communities for over 150 years. The Bank is customer driven. Its very existence is based on customers finding value in the products and services being offered. The Bank prides itself on offering a superior level of personalized customer service.
Elmira Savings Bank is a full service community bank headquartered in Elmira, NY. The bank currently has thirteen full-service locations in Chemung, Tompkins, Cayuga & Steuben Counties, as well as one loan center located in Broome County. Elmira Savings Bank strives to provide above-average returns to our shareholders while providing a broad range.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
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.
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.
