USDA Vs. FHA Pro and Con comparison in Ulysses, Tompkins County, NY
For 2026, the USDA loan limit in Ulysses, within Tompkins, NY, stands at $336,500. In contrast, the FHA limit for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's optimal USDA and FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. Our modern mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA programs to assist in selecting the option best suited to your financial needs in .
Loan Limits and Down Payment Requirements for 2026 in Ulysses, Tompkins, NY
Loan Type
Maximum Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Ulysses, NY
Lendersa® aims to efficiently secure the optimal USDA or FHA loan without delay and complications. Choose from three starting points that align you with matching lenders and USDA loan programs.
A USDA home loan is supported by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. This loan type is limited to rural areas and, unlike FHA loans which need at least a 3.5% down payment, does not require any down payment.
Tompkins Employees Federal Credit Union, Ithaca, NY, 14850
Lends in New York
The Tompkins Employees Federal Credit Union (TEFCU) is organized to serve people who live, work and/or own a business in Tompkins County. As a community based financial institution, owned and operated by our members, our purpose is to provide financial advice and competitive priced line of financial products
Alternatives is a regional Community Development Credit Union (CDCU) & a Community Development Financial Institution (CDFI). Our mission is to build wealth & create economic opportunity for underserved people & communities. Our vision is to lead an economic movement to create thriving, empowered communities with financial freedom for everyone.
Our mission is to provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge & ability of our members to manage & control their financial well-being; to provide sound financial management.
The First National Bank of Groton has been proudly serving the area communities for over 150 years. The Bank is customer driven. Its very existence is based on customers finding value in the products and services being offered. The Bank prides itself on offering a superior level of personalized customer service.
The First National Bank of Dryden has been involved in our local community for over a century. We keep the business local and we keep the customer service local. The person answering our phone will never be automated.Over time, we've expanded into the Cortland area and most recently the historic district of Homer
Cayuga Lake National Bank is a full-service community bank headquartered in Union Springs, NY with a second office in Aurora, NY. We provide consumer and commercial banking and lending products to the Finger Lakes Region of Central New York and beyond. Cayuga Lake National Bank offers a full suite of consumer banking products.
Generations Bank was established in 1870 as Seneca Falls Savings Bank—a New York chartered mutual savings bank. In 2012, the bank’s name and the insurance agency’s name were changed to Generations Bank and Generations Agency respectively.
In January 2021, Generations Bank's holding company reorganized as a fully public stock holding company.
People You Know. Service You Trust. We are dedicated to providing you with loan and deposit products designed with your needs in mind. We're open to the community! If you live, work, worship, volunteer, or attend school in Ontario, Seneca, or Yates County, or if you are a member of an immediate family or household of those within the field of mem
Auburn Community Federal Credit Union is owned by its members. Each member has equal standing in Auburn Community Federal Credit Union. This means that our credit union operates for and by our members. This eliminates the conflict of interest that’s present at big banks. Banks are owned by shareholders.
