USDA Vs. FHA Pro and Con comparison in Enfield, Tompkins County, NY
During 2026, in Enfield, within Tompkins County, NY, the USDA loan limit is set at $336,500, while the single-family home FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s leading USDA versus FHA rates. Determine needed income levels, credit, reserves, and documents to qualify for these loans. With our advanced mortgage calculator, view side-by-side analyses of USDA, FHA, Conforming, and VA loans, guiding you to the best choice for your financial situation in .
2026 Loan Limits and Down Payment Requirements for Enfield, Tompkins, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Accessing USDA and FHA Loan Options in Enfield, NY
Lendersa® works to secure your optimal USDA or FHA loan swiftly and smoothly. Choose from three pathways to find matching lenders offering favorable USDA loan programs.
The USDA home loan, backed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan, is available exclusively in rural areas. While FHA loans require at least a 3.5% down payment, the USDA mortgage allows you to finance with zero down payment.
City-County Employees Credit Union is a non-profit cooperative organized to provide our members with low-cost financial services. We were chartered on April 15, 1941 and are governed by a volunteer board of directors who are elected by and from the membership. As a State-chartered, Federally-insured Credit Union.
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Riverview Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
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Acopia's experienced loan advisors are committed to helping qualified borrowers realize their dream of home ownership by providing superior customer service and innovative products. We are mortgage banking professionals committed to making our communities a better place to live and work.
Singing River Federal was organized in 1953 by the employees of International Paper (Southern Craft Mill) as a fair-rate financial cooperative. Today, Singing River Federal's more than 28, 000 members have more than $230 million in assets. Anyone who lives, works, worships or attends school in Jackson
Riverfork Federal Credit Union got its start in 1959 by a group of City of Grand Forks employees. The original name of the credit union was Grand Forks City Employees Federal Credit Union. To exemplify the “people helping people” philosophy of the credit union movement, the employees pooled their money and loaned it to those employees in need.
At 9:00 P.M. on January 28th, 1946, our credit union was chartered as Manhattan CO-OP Credit Union and held its first monthly meeting of the Board of Directors. In an effort of helping even more Manhattan citizens, the credit union was moved to the university.
The credit union changed its name to College Credit Union.
