USDA Loan Vs. FHA loan for Cortlandville, NY [Cortland County ]

In 2026, the USDA loan limit for Cortlandville within Cortland county, NY, reaches $336,500, whereas the FHA limit for a single-family home is set at $472,030.

Utilize Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates and determine the necessary income, creditworthiness, reserves, and documents for qualification. Our advanced mortgage calculator presents side-by-side comparisons of USDA, FHA, Conforming, and VA loans, enabling you to select the program in that best fits your financial needs.

USDA and FHA Loan Opportunities in Cortlandville, NY

The mission of Lendersa® is to efficiently secure the best USDA or FHA loan for you, without hassle. Choose among three initial pathways to connect with lenders and discover USDA loan programs.

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Defining the USDA Loan in NY

The USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is designed for rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgage loans do not demand any down payment.

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(607) 734-7144 Lender's profile and map Reviews Solutions Credit Union 907 Broadway Avenue, Elmira, NY, 14904 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.
(315) 592-4201 Lender's profile and map Reviews Fulton Savings Bank 75 South First Street, Fulton, NY, 13069 Fulton Savings Bank offers comprehensive banking services near Fulton, NY, including deposit accounts, such as checking accounts and savings accounts, as well as loans, such as personal loans, mortgage loans, home equity loans and more. For over 100 years, Fulton Savings Bank has been a trusted provider for competitive Fulton mortgage rates.
(607) 733-1304 Lender's profile and map Reviews Finger Lakes Health Care Federal Credit Union 519 Hart Street, Elmira, NY, 14905 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.
(315) 272-2500 Lender's profile and map Reviews Adirondack Bank 185 Genesee Street, Utica, NY, 13501 Adirondack Bank, we value putting a face to a name. That’s why for over a century we’ve personally dedicated ourselves to delivering trusted, full-service community banking to the families and businesses of Upstate New York. Adirondack Bank consistently provides cutting edge banking, standing as an eight-time recipient of the Small Business Lender
(315) 894-9924 Lender's profile and map Reviews Remington FCU 39 Central Plaza, Ilion, NY, 13357 Remington Federal Credit Union has been open since 1937. The credit union has assets totaling $54.2 Million and provides banking services to more than 4, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
(800) 677-8506 Lender's profile and map Reviews Corning Credit Union One Credit Union Plaza, Corning, NY, 14830 CCU was founded in 1936 with the goal of helping Corning Glass Works employees with their financial needs. We started with 42 members and $420 in assets. Over the years, we've opened offices in North Carolina and Pennsylvania, in addition to the 10 offices in the Corning/Elmira, New York area.
(607) 936-4667 Lender's profile and map Reviews First Heritage Federal Credit Union 202 Denison Pkwy E, Corning, NY, 14830 Our credit union was founded and chartered for business in 1954 by a group of 10 employees at the Ingersoll-Rand Company. Spearheaded by Harold Davis, the Ingersoll-Rand Union President, this group signed the original paperwork to have our credit union recognized by the National Credit Union Administration (NCUA).
(315) 797-2700 Lender's profile and map Reviews Bank of Utica 222 Genesee Street, Utica, NY, 13502 Bank of Utica is a full service commercial bank headquartered in Utica, NY. Bank of Utica offers a traditional line of products expected at a community bank, as well as some cutting edge services offered at larger banks. Bank of Utica was founded in 1927 and has been locally owned and operated since its inception.
(315) 724-5133 Lender's profile and map Reviews Utica District Telephone Employees Federal Credit Union 2812 Genesee Street, Utica, NY, 13502 Utica District Telephone Employees FCU provides a complete range of financial services to employees of Verizon, Spectrum and Northland Communications and their families. Utica District Telephone Employees Federal Credit Union, located at 2812 Genesee St, Utica, New York, provides a complete range of financial services to employees of Verizon.
(607) 547-5700 Lender's profile and map Reviews Leatherstocking Credit Union 24 Glen Avenue, Cooperstown, NY, 13326 Leatherstocking Credit Union, established in 1977 is a not-for-profit financial cooperative located in Cooperstown, NY, the home of the National Baseball Hall of Fame and Museum. Originally formed to serve the employees of Bassett Hospital, our current field of membership includes anyone who lives, works, worships, attends school..
(315) 343-0057 Lender's profile and map Reviews Pathfinder Bank 214 West First Street, Oswego, NY, 13126 Our company mission is to foster relationships with individuals and businesses within our communities to be the financial provider of choice. Our goal is to continually enhance the value of the bank for the benefit of our shareholders, customers, employees and communities. Pathfinder Bank has been serving the Central New York community since 1859.
(315) 342-4574 Lender's profile and map Reviews Oswego Teachers Federal Credit Union 90 West Utica Street, Oswego, NY, 13126 Oswego Teachers' Employees FCU has been serving the employees of Oswego county school districts since 1961. We are not the biggest, but the best in meeting our members' saving and borrowing needs. Our low cost structure and philosophy provides you a better alternative to other larger financial institutions. Come talk to one of our 6 employees