USDA Vs. FHA Pro and Con comparison 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.
Mable is all you need for everything Mortgage + Real Estate. When looking for your home, choosing the right mortgage and real estate team is important just like choosing the right property. Mable has agreements with the top lenders in the country and wholesale pricing resulting in lower rates and payments for you.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
8444 Westpark Drive The Fourth Floor, Mc Lean, VA, 22102
FSMC is a private lender for residential financing. We are committed to supporting and helping individuals and families achieve their dream of homeownership in Virginia. We use new and innovating technology to make the application and overall loan process as smooth as possible for each client.
"Visionary FCU was founded in November 1960 as Universal-Cyclops Bridgeville Federal Credit Union. We changed our name to Visionary FCU in 1997, and now serve members that live, work, go to school, or worship in Allegheny County, PA.
We are also a member of the Credit Union Shared Branch Network.
Mohsin Mortgage Corp. is a wholesale mortgage brokerage, designed to service your financial needs. We offer the best possible rates from the Federal Housing Administration. Specializing in Conventional, FHA, and VA loans, our experienced brokers will get you the best available mortgage rate
Mon Valley Community Federal Credit Union has been open since 1937. The credit union has assets totaling $177.69 Million and provides banking services to more than 9, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
Prince George’s Community FCU is one of Prince George's County best kept secrets. Founded in 1967 to provide financial services to Prince George’s County employees, this organization has grown to a community-based institution serving over 16, 000 members. We are currently over $160 million in assets and welcome anyone who lives, works.
The Mortgage Mall, Inc. was established with the vision of our clients enjoying the benefits of having a broad array of mortgages and lending services under one roof. The business model ensures that each financial professional can engage in an open dialogue to access the exact needs of each client
GFA Federal Credit Union is a full service, Member-owned, community financial institution serving Central Massachusetts & Southern New Hampshire, with branch locations in Ashburnham, Gardner, Hubbardston, Keene, Leominster, Peterborough, Rindge, Rutland & Winchendon. Offering Personal, Business, Investment & Insurance solutions to help buy a home.
