USDA Loan Vs. FHA loan pro & con Groton, Tompkins County, NY

In the year 2026, the USDA loan limit for Groton, which is in Tompkins county, NY, is set to $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.

You can use the Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates, determining the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA options, helping you select the best program in for your financial needs.

USDA and FHA Loan Opportunities in Groton, NY

Lendersa® aims to quickly, efficiently connect you with the best USDA or FHA loan options without hassle. Choose from one of three initial routes to match with lenders and USDA loan programs.

Defining USDA Loans in NY

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and available exclusively in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans have the special advantage of requiring no down payment.

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(757) 398-2384 Lender's profile and map Reviews Summit Hampton Roads Federal Credit Union 3636 High Street, Portsmouth, VA, 23707 Summit Hampton Roads Federal Credit Union has been open since 1970. The credit union has assets totaling $10.32 Million and provides banking services to more than 2, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves health care employees.
734-249-4241 Lender's profile and map Reviews Parker Mortgage Group LLC 1101 S MAIN ST, STE 151, Chelsea, MI, 48118 Whether you're purchasing your first home, are a seasoned investor with multiple properties or fall somewhere in between, we're here to ensure you get the maximum return on your investment by choosing the best mortgage product to meet both your short AND long-term financial goals.
(734) 475-0270 Lender's profile and map Reviews First Equity Residential Mortgage Inc 310 North Main, Suite 201, Chelsea, MI, 48118 If you are looking for First Equity Residential Mortgage, Inc., or are interested in financing a home in Michigan, you've come to the right place. Although we have some information on the website, the lending industry is going through constant change. We encourage you to give us a call with your unique circumstances and needs.
(757) 499-4303 Lender's profile and map Reviews Dragas Mortgage Company 4532 Bonney Rd, Suite A, Virginia Beach, VA, 23462 Dragas Mortage is a locally owned and operated lender in Hampton Roads for over 50 years. We provide personalized mortgage lending across Virginia. Whether purchasing a home or refinancing, our dedicated team will help you get prequalified quickly and easily and help you every step of the way. We're local and we're here for you
(757) 618-3858 Lender's profile and map Reviews OVM Financial 5040 Corporate Woods Drive, Suite 100, Virginia Beach, VA, 23462 Welcome to the McNulty Team at OVM Financial, where superior service meets down to earth reliability. Our team provides an unparalleled level of mortgage understanding, allowing you to enjoy a smooth and seamless process. We aim to serve you, and we take great pride in exceeding your expectations.
(757) 962-6788 Lender's profile and map Reviews Prime Mortgage Resources, Inc. One Columbus Center, Suite 600, Virginia Beach, VA, 23462 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(800) 244-4132 Lender's profile and map Reviews Virginia Wholesale Mortgage Incorporated 249 Central Park Ave, Suite 300, Office 116, Virginia Beach, VA, 23462 Whether you’re buying, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who gives you quick and accurate financial advice.
(757) 410-9963 Lender's profile and map Reviews Bay Mortgage, LLC 600 Virginia Beach, Virginia Beach, VA, 23462 We offer our clients the rare and valuable combination of consistently competitive rates, a very experienced team, and a superior service platform. We welcome the opportunity to share with you specifically how we provide these benefits to our clients and also providing an uniquely pleasant mortgage transaction experience where we act professionally
(757) 932-9326 Lender's profile and map Reviews Home Free Mortgage 249 Central Park Ave, Suite 300, Virginia Beach, VA, 23462 Home Free Mortgage you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(757) 404-7756 Lender's profile and map Reviews PROCESS MORTGAGE, LLC 249 Central Park Ave, Ste 300, Virginia Beach, VA, 23462 The mortgage process can be complicated and confusing. Our mortgage experts help make the process easy to understand! With a single application and credit report, we can show you the best options from the best lenders. Never waste time duplicating work!Our loan Originators have access to a wide array of loan products.
(419) 427-5626 Lender's profile and map Reviews The American Loan Mortgage Corp 600 Tiffin Avenue, Findlay, OH, 45840 The American Loan Mortgage Corp Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Ohio USDA/RD Loans Home Purchase Loans Home Refinance Loans Cash Out Home Loans Jumbo Home Loans FHA Loans / VA Loans
(419) 422-5626 Lender's profile and map Reviews Millstream Area Credit Union 1650 Fostoria Ave, Findlay, OH, 45840 Millstream Area Credit Union was organized for the union employees of Cooper Tire & Rubber Company in Findlay, Ohio. It included their wives, husbands, parents, widows and widowers of members in good standing at the time of their death, and dependent children residing in the same household.