Within Waverly, located in the county of Tioga, NY, for the year 2026, the USDA loan limit is $336,500. In comparison, the FHA loan limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to explore and contrast the most advantageous USDA versus FHA rates available today. Assess the qualifications needed, including income, credit, reserves, and documentation. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the ideal program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to swiftly connect you with the best USDA or FHA loan options with minimal efforts. Begin your journey with one of three strategic approaches that link you to corresponding lenders and USDA loan offerings.
A USDA home loan, endorsed by the government's Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is exclusively accessible in rural communities. Contrary to the FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage necessitates no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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