USDA and FHA Pro and Con in Groveland, Livingston County, NY

During 2026, the USDA loan limit in Groveland, which is in Livingston county, NY, is $336,500, whereas the FHA ceiling for a single-family home is $472,030.

Employ the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, determining the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping decide which option in best suits your financial needs.

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2026 loan limits and downpayment requirements in Groveland, Livingston county, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Choices for USDA and FHA loans in Groveland, NY

Lendersa® strives to offer you the ideal USDA or FHA loan swiftly and effortlessly. Choose from three starting paths that result in matching lenders and USDA loan programs.

Insights from Lendersa USDA loan request matches

Understanding the USDA Loan in NY

A USDA home loan, backed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is intended for rural neighborhoods. Unlike FHA loans, which demand at least a 3.5% down payment, the USDA loan features no down payment requirement.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • U.S. Bridging Loans
  • 118 Broadway STE 638, San Antonio, TX. 78205 USA, San Antonio, TX, 78205
  • Global Mortgage Group (GMG) address the need for comprehensive International real estate financing solutions. Our unique network and capabilities has allowed for asset backed loan placement in niche industries such as cannabis, and distressed situation of foreign owned property. For more information, Visit: https://usbridgeloans.com/
  • Frost Bank
  • 110 Austin Hwy, San Antonio, TX, 78205
  • Frost provides banking, investments, and insurance services to businesses and individuals throughout Texas. Founded in 1868, Frost is one of the 50 largest U.S. banks by asset size. At Frost, everything we do is aimed at making customers’ lives better. We do it by creating and delivering great experiences to them every time they interact with us.
  • Crown Lending Inc
  • 102 W Crockett St, Suite 705, San Antonio, TX, 78205
  • Crown Lending, Inc. 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 by offering
  • Texhillco School Employees Federal Credit Union
  • 1018 Sidney Baker Street, Kerrville, TX, 78028
  • Texhillco School Employees Federal Credit Union was established in 1956. It was founded by school employees and operated out of a cigar box on the top floor of the old Tivy High School building in Kerrville, now the KISD administration building. Since that time the surrounding Hill Country school districts have joined our field of membership.
  • Kerr County Federal Credit Union
  • 3700 Memorial Boulevard, Kerrville, TX, 78028
  • Kerr County Federal Credit Union was founded on July 1, 1936 in the basement of the VA Hospital, to serve veterans & their families along with employees of the VA. Since then, we have existed solely for the purpose of serving our members’ best interests. This focus on members instead of profits allows us to offer a full range of financial services
  • Guadalupe Bank
  • 1309 Bandera Hwy, Kerrville, TX, 78028
  • Guadalupe Bank was built by locals, for locals. We pride ourselves on the fact that our decisions are made locally by people who live in our community, value relationships with our customers, and genuinely understand local needs. We have a commitment to every single customer and to the people and small business owners in our community.
  • US Mortgage Lenders
  • 230 Castle Pines, Kerrville, TX, 78028
  • US Mortgage Lenders, I not only have access to leading national lenders, but I have access to funding sources not readily advertised, with lenders you wouldn’t think to look for. Undoubtedly, I can find more competitive mortgage rates than banks and other traditional mortgage firms.
  • Refugio County Federal Credit Union
  • 514 Swift Street, Refugio, TX, 78377
  • Refugio County Federal Credit Union, founded in 1958, is a federally insured, member owned, not-for-profit financial institution whose purpose is to promote the financial well-being of its members. We serve the three school districts in Refugio County which include Refugio ISD, Woodsboro ISD, and Austwell-Tivoli ISD.
  • Rodsan Mortgage LLC
  • 9111 John Barrett Drive, San Antonio, TX, 78240
  • 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.
  • Fidelity Mortgage
  • 9480 Huebner Road, Suite 200-C, San Antonio, TX, 78240
  • 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.
  • Cedar Home Loans LLC
  • 120 Buffalo Court, Dillon, CO, 80435
  • Cedar Home Loans can save time and reduce costs by providing customized mortgage solutions to assist clients in accomplishing their financial goals. We believe refinancing or buying a home should be easy. Our Summit County lending advisors will help you put your finances in order to attain the Colorado home of your dreams.
  • LiftFund Laredo
  • 2007 W. Martin Street, San Antonio, TX, 78207
  • LiftFund is a small business lender supporting new and existing entrepreneurs grow their businesses no matter their life circumstances. We believe hard-working entrepreneurs deserve an opportunity to succeed. Since 1994 we've provided affordable business loans and support to thousands of small businesses.