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