USDA and FHA Pro and Con in Spencer, Tioga County, NY
For 2025, 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 2025 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.
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