USDA VS FHA 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 .

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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.

Lendersa loan request and matching outcomes for USDA

Understanding USDA Loans in NY

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



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