USDA Vs. FHA your options comparison in Moravia, Cayuga County, NY

In 2026, the USDA loan limit in Moravia, located in Cayuga County, NY is set at $336,500, whereas the FHA loan limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare top USDA versus FHA rates today. Determine the income, credit score, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in suits your financial situation best.

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2026 Loan Limits and Downpayment Requirements in Moravia, Cayuga, 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 Options in Moravia, NY

Lendersa® strives to secure the best possible USDA or FHA loan quickly and with ease. Choose one of three starting paths to match with lenders and find ideal USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

The USDA home loan, supported by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is accessible only in rural locations. In contrast to FHA loans that require at least a 3.5% down payment, the USDA mortgage demands no down payment at all.

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



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