USDA Vs. FHA Pro and Con comparison in Horseheads, Chemung County, NY
In 2026, the USDA loan limit in Horseheads, situated in the county of Chemung, NY, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Employ the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, and identify the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, facilitating your decision about which program in is most suitable for your financial situation.
2026 Loan Limits and Down Payment Requirements in Horseheads, Chemung, 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 Horseheads, NY
The mission of Lendersa® is to provide you with the best possible USDA or FHA loan swiftly and effortlessly. Choose one of three starting options, aligning you with matching lenders and USDA loan programs.
USDA home loans are loans backed by the government Department of Agriculture, also known as USDA rural development loans or USDA mortgages, and they are only available in rural neighborhoods. In contrast to FHA loans requiring a minimum 3.5% down payment, USDA loans need no down payment at all.
For fifty years, BAC Community Bank, formerly known as Bank of Agriculture & Commerce (BAC) and ECC Bank a Division of Bank of Agriculture & Commerce (ECC), has provided comprehensive financial and banking services to three counties contiguous to the Delta. These include Contra Costa, San Joaquin and Stanislaus Counties.
Delta Schools FCU is a home grown credit union serving the financial needs of the Delta community. Part of our long term plan is to give back and support the community. If you are looking for a bank with the same values look no further. credit union serving the financial needs of the Delta community. Part of our long term plan
Empire Lending Group's 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.
Travis Credit Union works every day to make a difference in the lives of the people we serve. As a secure and trusted financial institution, we advocate for the financial education and well-being of our members, and we give back to their local communities. To date, we have sponsored 200+ charities and local causes and volunteered 13, 000+ hour.
We are a local mortgage brokerage firm with significant mortgage and financial experience comprised of both CPAs and Mortgage Professionals who have been in the mortgage business over 20 years.
Catharine Dombrowski is the Mortgage Broker, who is also a CPA (Certified Public Accountant). Catharine founded Lone Tree Funding & Mortgage in 2002
At MAI REALTY & LOAN, INSURANCE. We are a one stop shop for all your real estate needs from finding homes, to getting commercial and residential loans, and getting the insurance that protects both your home and your family.
We focus on making the process of buying a home or business easy for both our clients
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E3 Realty & Loans is an all-encompassing Real Estate & Mortgage Brokerage with 20 years of combined Real Estate, Finance and Marketing Expertise. Our team consists of the most Empowered professionals in the industry who Elevate the lives of their clients by providing unparalleled knowledge and strategy that no one else can deliver
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iFundRE.net is a Funding Source that provides Real Estate Loans as quick and easy as possible to borrowers with both perfect and less than perfect credit, all the way to hard money loans! We have full doc, lite doc, 24 & 48 month bank statement & stated income only loans. All credit considered
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UNCLE Credit Union is a $625 million, full service financial institution. We’re known for our community involvement and for offering exceptional and friendly service. And unlike banks who must answer to their stockholders, we’re a not-for-profit cooperative organized by our members, for our members
