USDA Vs. FHA Pro and Con comparison in Guilford, Chenango County, NY
In 2026, the USDA loan limit for Guilford, county of Chenango, NY, is set at $336,500, while the FHA cap for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates, and determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, helping you choose which program in best suits your financial situation.
2026 Loan Limits and Down Payment Requirements in Guilford, Chenango, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Guilford, NY
At Lendersa®, our aim is to swiftly provide you the most suitable USDA or FHA loan options without hassle. Choose from three initial approaches to connect with lenders and explore USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none.
Sidney Federal Credit Union offers convenient locations throughout Chenango, Otsego, & Delaware Counties with branches in Sidney, Norwich, Bainbridge, Oneonta, Greene, Hancock, Walton, & Delhi. Sidney Federal Credit Union is a federally insured financial institution - banking. easier.
The Chen-Del-O Federal Credit Union is a federally organized cooperative, composed of people with a common bond of employment. The members are the owners of the Credit Union. They elect a Board of Directors who determine the policies under which the credit union operates according to rules established by the National Credit Union Administration,
Tioga State Bank has been providing loans to business customers and forming long lasting relationships for over 150 years. We believe it’s in your best interest to have a working relationship with a local banker; one that takes time to learn your business. We know what it takes for a business to get started and to succeed. As local bankers, we know
UHS Employees Federal Credit Union has been open since 1974. The credit union has assets totaling $23.59 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
The Delaware National Bank of Delhi is the oldest bank in Delaware County, and the oldest corporation in the community of Delhi. We are also the 25th oldest bank in the country, and the 3rd oldest in New York State.
In 1839 we opened our doors for business on the second floor of a storefront on Delhi's Main Street. In 1841
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.
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
Leatherstocking Credit Union, established in 1977 is a not-for-profit financial cooperative located in Cooperstown, NY, the home of the National Baseball Hall of Fame and Museum.
Originally formed to serve the employees of Bassett Hospital, our current field of membership includes anyone who lives, works, worships, attends school..
