USDA Vs. FHA Pro and Con comparison in Newark-Valley, Tioga County, NY
In 2025, the USDA loan limit for Newark-Valley, Tioga county, NY is set at $285,000, while the FHA limit is $356,362 for a single-family home.
Try using the Lendersa® USDA loan calculator to compare the best rates available today between USDA and FHA loans. It helps you determine the necessary income, credit, reserves, and documents for qualification. Our advanced calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in selecting the most suitable program for your financial needs in .
Loan Limits and Down Payment Requirements for 2025 in Newark-Valley, Tioga, NY
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Available USDA and FHA Loan Options in Newark-Valley, NY
Lendersa® aims to help you secure the finest USDA or FHA loan with speed and ease. Start with one of three initial steps resulting in matches with lenders and accessing USDA loan programs.
The USDA home loan is backed by the government Department of Agriculture, often called a USDA rural development loan or USDA mortgage, and is intended for rural areas exclusively. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment, offering a significant benefit for eligible applicants.
First Bank is all about returning to banking basics. As a locally-owned and operated community bank, we pride ourselves on great customer service that is highly personalized, efficient and responsive to local needs. On April 23, 2007, First Bank commenced operations at its office at 1229 South Black Horse Pike in Williamstown, NJ.
Spirit Financial CU was established in 1953 as Fairless Employees Credit Union, with the primary goal of helping employees of the United States Steel Corporation. In the 1980s, the credit union became known as Fairless Credit Union, reflecting the credit union’s expanded legacy of serving the financial needs of various other employee groups.
Mercer County NJ Teachers’ Federal Credit Union (MCNJTFCU) is a member-owned, not-for-profit financial cooperative dedicated to providing quality financial products and services and delivering them professionally and courteously. Unlike other financial institutions that need to generate profits to satisfy stockholders.
Direct Mortgage Loan Company is a private lender specializing in fixed-rate, bridge financing for real estate developers and investors in Philadelphia and the surrounding areas. We lend on land, rehab projects and new construction, on single family, multi family, mixed use and commercial
At Home Front Mortgage. We are the fastest growing, Veteran Owned and Operated, Mortgage Broker on the East Coast. We Were Founded in 2016 by a career Real Estate professional and a Career Mortgage professional. This blend is not only unique, but it guarantees the entire purchase and real Estate process is respected and understood.
Amboy Bank is a community bank offering banking services for individuals and businesses in New Jersey for over 130 years. Amboy's branch offices provide checking, savings, mortgages, home equity and business loans among many other high quality services. Amboy continues to be recognized as the Best Bank in Central New Jersey more than 20 years.
Established in 1990 New Jersey Home Funding Group llc is one of New Jersey's longest standing independent mortgage lender. For 27 years and billions of dollars of residential mortgages originated over that time there has never been 1 single consumer complaint upheld by any regulatory agency. A record we are proud of!
American Heritage is a credit union, not a bank. Since we provide all of the same services and conveniences as a bank, take a closer look at what makes us different – and better! American Heritage will never be a faceless, business-first organization. We are a community of members. We live and work together. We are family.
"A Mortgage Broker in Philadelphia, we specialize in closing challenging loans. Whether you are looking to purchase or refinance, we have access to a full line of loan options from many different banks to offer you the best loan that fits your specific needs.
Since everyone has different needs, with us you have options, many options."
DML Lending is a family owned and operated by a group experienced and knowledgeable real estate lenders that help local real estate investors become successful. DML provides short-term (12 months) loans to a variety of independent real estate developers and investors across the country.
