USDA and FHA Pro and Con in South-Hill, Tompkins County, NY

In 2025, the USDA loan limit for South-Hill, in Tompkins, NY, is $285,000, whereas the FHA limit for a single-family home is $356,362.

Make use of Lendersa®'s USDA loan calculator to compare today's top USDA and FHA rates, and determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program for your specific financial situation in .

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2025 Loan Limits and Down Payment Requirements in South-Hill, Tompkins, NY

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conforming Conventional $548,250 3%

USDA and FHA Loan Options in South-Hill, NY

The goal of Lendersa® is to secure the best USDA or FHA loan efficiently and without hassle. Choose one of three starting points for matching with lenders and accessing USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

A USDA home loan, guaranteed by the government Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is limited to rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans require no down payment.

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



  • Florida Mortgage Capital Inc
  • 3901 Northwest 79 Avenue, Suite 220, Doral, FL, 33166
  • "Florida Mortgage Capital Inc was established in May 1996. We have been serving the needs of Buyers throughout Florida for over 22 years. Our success has been in building long term relationships with our clients. They are the best testament of the service we provide during and after the transaction is concluded."
  • Capital Prime Funding Corp
  • 8200 Northwest 41st Street, Suite 200, Doral, FL, 33166
  • Our vision is to deliver the experience of a simple loan process to our customers. We believe in providing an outstanding customer service experience by making the process fast and easy to get the best and least expensive loan program available for their specific situation. We have the conventional loan programs, FHA, VA etc
  • The Paramount Funding Company
  • 7950 North West 53 Street, Suite 337, Miami, FL, 33166
  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. Here at The Paramount Funding Company, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!
  • Intercorp MS LLC
  • 8333 Northwest 53rd Street, Suite 401, Doral, FL, 33166
  • "Intercorp Mortgage Solutions offers Conventional and Private lending services in the South Florida area. We support our clients through the process of financing and managing their investments by offering solutions adapted to their needs. Our services include Conventional, FHA, VA and high cost loans, residential and commercial mortgages,"
  • Essex Home Loans Corp
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  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
  • Prada Capital Lending Corp
  • 3785 Nw 82 Ave, Suite 208, Doral, FL, 33166
  • At Prada Mortgage Bankers, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Trust Lending
  • 8200 NW 52nd Terrace Suite 100, Doral, FL, 33166
  • We are a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan - with the best rates, terms and costs.
  • First American Bank and Trust
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  • First American offers comprehensive financial products and services for investing in a brighter future for its customers. A strong, independent community bank, First American Bank and Trust is closely tied to the businesses, organizations and citizens in each community it serves. On December 3, 1910,First American Bank and Trust was chartered.