In 2026, the USDA loan limit for Owego, within Tioga county, NY, is $336,500, whereas for a single-family home, the FHA limit stands at $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates and understand the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding the best program for your financial situation in .
2026 Loan Limits and Down Payment Needs in Owego, Tioga, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Owego, NY
Lendersa® aims to provide you with the best USDA or FHA loans swiftly and with ease. Choose from one of three starting points, leading to matched lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is only available in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment.
At Visions, we condemn racism, violence, discrimination, and hatred toward any person or persons. It is in our foundation as a credit union to accept and serve all members equally, regardless of their race, social status, or financial position This spirit of inclusion extends to our homes and our employees, too.
UHS Employees Federal Credit Union has been open since 1974. The credit union has assets totaling $23.59 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
Tioga State Bank has been providing loans to business customers and forming long lasting relationships for over 150 years. We believe it’s in your best interest to have a working relationship with a local banker; one that takes time to learn your business. We know what it takes for a business to get started and to succeed. As local bankers, we know
Elmira Savings Bank is a full service community bank headquartered in Elmira, NY. The bank currently has thirteen full-service locations in Chemung, Tompkins, Cayuga & Steuben Counties, as well as one loan center located in Broome County. Elmira Savings Bank strives to provide above-average returns to our shareholders while providing a broad range.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
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
