For 2026, the USDA loan limit established for Spencer, within Tioga county of NY, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Take advantage of the Lendersa® USDA loan calculator to compare the current best rates of USDA versus FHA, determining the necessary income, credit, reserves, and documents required for pre-approval. Our advanced mortgage calculator offers a comprehensive side-by-side view of USDA, FHA, Conforming, and VA programs, guiding you to make an informed choice regarding the best option for your financial circumstance in .
Loan Limits and Downpayment Requirements for 2026 in Spencer, within Tioga, NY
Type of Loan
Maximum Loan
Minimum Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Opportunities in Spencer, NY
The objective of Lendersa® is to facilitate your access to the best USDA or FHA loan efficiently and with ease. Begin with one of three entry points to connect with matched lenders and USDA loan options.
The USDA home loan, supported by the government Department of Agriculture and known as the USDA rural development loan or USDA mortgage, is available exclusively in rural regions. Unlike FHA loans that stipulate a minimum down payment of 3.5%, the USDA mortgage has no down payment requirement.
LoanPro365 is dedicated to you and our realtors to provide quick closings and problem resolution. We are closing over 98% of all loans that we pre-approve. We’ve been around for over 15 years with experience with first time home buyers to seasoned investors. Our job is simple, close the deal with the best terms possible, as fast as possible.
EMB Lenders has expanded across the United States establishing itself as one of the fastest growing mortgage lenders in the nation. With our headquarters based out of Davie, FL, we have since opened up local community branches throughout the country, from Florida, Kentucky, and beyond. Achieving
12535 Orange Drive Suite 615, Fort Lauderdale, FL, 33330
In 2008 when the mortgage industry first started to crash, we just had our third child. Soon after he was born, we discovered he had no immune system. Initially the doctors thought he had leukemia. We spent a full year going through many tests such as bone marrow biopsies on our few month-old son. It was a very difficult time.
Premier Lending Corp, we understand that buying a home is a big decision.Our goal is to guide you through each step of the process, from application through closing, making you feel at home before you even begin searching for a property. our team of mortgage experts will work hard & passionately to ensure that we understand all your needs and wants
Trinity Mortgage USA, Inc, is a product of a combined 50 years of mortgage and real estate experience. Our success is a direct reflection of how we treat all of our clients from beginning to end. We believe that without the one to one personal communication with our clients. Our main goal is to destress the process for our clients.
At Allstate Funding Group, 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.
PRIME TIME MORTGAGE loan officer, specialize in FHA, Conventional and VA mortgages. I work with all homebuyers: first time owners, those refinancing current properties, and seniors in the mortgage process. and also It is my commitment to provide the highest level of customer service to my clients. To be available and accomodating at all times.
Florida Home Trust Mortgage, Inc. is a premier Florida-based, privately held mortgage lender, providing loans to residential and commercial borrowers in the greater Weston, Fl area. FHT operates as a financing boutique with a fiduciary heritage equipped with lending resources highly focused on executing conventional
2893 Executive Park Dr. Suite 304, Weston, FL, 33331
KoRes is pleased to offer several financing options to meet your needs. We offer standard 30-Year or 15-Year Fixed Mortgages, Programs for Foreign Nationals, Private Loans, 3-Year ARM, 5-Year Arm and a wide variety of FHA Loans. Whatever your circumstances maybe, KoRes is dedicated to helping you find the best mortgage product to fit your needs.
