USDA Vs. FHA your options comparison in Lansing, Tompkins County, NY
As of 2026, in Lansing, located in Tompkins, NY, the USDA loan cap is $336,500, whereas the FHA loan limit for single-family homes is set at $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s most favorable USDA and FHA rates, and to explore the necessary income, credit standing, reserves, and documentation to qualify. Our sophisticated mortgage calculator enables you to juxtapose USDA, FHA, Conforming, and VA options side by side, assisting in identifying the ideal program in for your unique financial circumstances.
2026 Loan Limits and Down Payment Requirements in Lansing, 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 Choices in Lansing, NY
The objective of Lendersa® is to provide you with quick and hassle-free options for the best USDA or FHA loan. Choose from one of three initial steps, which will connect you with matching lenders and suitable USDA loan programs.
A USDA home loan, sanctioned by the Department of Agriculture, is also known as a USDA rural development loan or mortgage and is strictly available in rural regions. Contrary to FHA loans that mandate a minimum 3.5% down payment, the USDA mortgage requires no down payment.
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.
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
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.
Generations Bank was established in 1870 as Seneca Falls Savings Bank—a New York chartered mutual savings bank. In 2012, the bank’s name and the insurance agency’s name were changed to Generations Bank and Generations Agency respectively.
In January 2021, Generations Bank's holding company reorganized as a fully public stock holding company.
People You Know. Service You Trust. We are dedicated to providing you with loan and deposit products designed with your needs in mind. We're open to the community! If you live, work, worship, volunteer, or attend school in Ontario, Seneca, or Yates County, or if you are a member of an immediate family or household of those within the field of mem
