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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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