USDA and FHA Pro and Con in Danby, Tompkins County, NY
In 2026, the USDA loan limit in Danby, within Tompkins County, NY is $336,500, while the FHA limit for a single-family home is $472,030.
Take advantage of the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates today, determining the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows a side-by-side comparison of USDA, FHA, Conforming, and VA loans to help decide which program is ideal for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Danby, Tompkins, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Danby, NY
The goal of Lendersa® is to quickly secure the best USDA or FHA loan for you, seamlessly and without hassle. Choose from three starting approaches to connect with matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans needing a minimum 3.5% down payment, the USDA mortgage requires no down payment whatsoever.
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.
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.
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
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.
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.
