USDA and FHA Pro and Con in Sterling, Cayuga County, NY
In 2026, the USDA loan limit in Sterling, within Cayuga county, NY, is $336,500. For a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates today, and determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side to help you decide which program in best fits your financial circumstances.
2026 Loan Limits and Down Payment Requirements in Sterling, Cayuga, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Sterling, NY
The goal of Lendersa® is to swiftly provide you with the best USDA or FHA loan, free of complications. Choose from three starting points to connect with potential lenders and USDA loan options.
The USDA home loan, insured by the Department of Agriculture and also referred to as the USDA rural development loan or mortgage, is exclusively offered in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, the USDA mortgage demands no down payment at all.
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