USDA Vs. FHA your options comparison in 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.
2026 Loan Limits and Downpayment Requirements in Groton, 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 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.
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.
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
The First National Bank of Groton has been proudly serving the area communities for over 150 years. The Bank is customer driven. Its very existence is based on customers finding value in the products and services being offered. The Bank prides itself on offering a superior level of personalized customer service.
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.
Cayuga Lake National Bank is a full-service community bank headquartered in Union Springs, NY with a second office in Aurora, NY. We provide consumer and commercial banking and lending products to the Finger Lakes Region of Central New York and beyond. Cayuga Lake National Bank offers a full suite of consumer banking products.
Auburn Community Federal Credit Union is owned by its members. Each member has equal standing in Auburn Community Federal Credit Union. This means that our credit union operates for and by our members. This eliminates the conflict of interest that’s present at big banks. Banks are owned by shareholders.
SECNY FEDERAL CREDIT UNION the credit union is a member-owned, non-profit, full-service financial institution. SECNY maintains its focus on education and commitment to going beyond just providing financial services. Any person working, living, worshipping, attending school, businesses and legal entities.
At Visions, we condemn racism, violence, discrimination, and hatred toward any person or persons. It is in our foundation as a credit union to accept and serve all members equally, regardless of their race, social status, or financial position This spirit of inclusion extends to our homes and our employees, too.
