For 2025, the USDA loan limit in Northeast-Ithaca, located within Tompkins, NY, is $285,000, whereas the FHA loan limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the best rates available today for USDA versus FHA loans. Determine the required income, credit score, reserves, and documentation necessary to qualify. Our advanced mortgage calculator provides a side-by-side analysis of USDA, FHA, Conforming, and VA options, helping you decide the best program for your financial situation in
Explore loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to provide you the ideal USDA or FHA loan quickly and without hassle. Select one of three paths to connect with lenders and explore USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages demand no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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