USDA VS FHA 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.

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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?



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  • 12011 Lee Jackson Memorial Highway, Suite 510, Fairfax, VA, 22033
  • Velocity Commercial Investments Inc. A National Commercial & Business Loan Consultants in helping commercial clients by providing sources for Capital to Businesses and Real Estate Investors. The founder of VCI has experience in the field of financial transactions for over 25 years.
  • CityWorth Loans
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  • CityWorth our mission is to serve every customer with honesty, integrity and competence. Our goal is to provide our clients with a combination of low rates and fees along with providing expert advice and guidance throughout the entire loan process. We will work closely with each client to ensure that we are recommending the best program.
  • MSF Lending - Mortgage Solution Finders, Inc.
  • 4000 Legato Rd, Suite 1100, Fairfax, VA, 22033
  • At MSF Lending - Mortgage Solution Finders Inc. we have a simple philosophy of treating our clients and our employees like our Family. With this approach we create a positive and nourishing environment for our employees and train them to apply the same principles when working with our clients.
  • Jolene Moore
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  • Jolene Moore's Team offers mortgage financing you can trust. We are committed to excellent customer service and personalized guidance throughout the loan process. We will work with you to find the best mortgage solution that fits your needs. We pride ourselves on constant communication and our willingness to go the extra mile.
  • Monarch Mortgages LLC
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  • Vellum Mortgage was created to elevate the entire mortgage experience, not only for our clients but for our employees and business partners. Therefore, our mission is to provide unparalleled transparency in the loan process, along with a lasting commitment to quality and integrity as indicated by the principles of the name we’re founded on.
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