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 tailored to your unique financial scenario.
2026 Loan Limits and Down Payment Requirements in Waverly, County of Tioga, 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 Waverly, NY
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.
Elmira Savings Bank is a full service community bank headquartered in Elmira, NY. The bank currently has thirteen full-service locations in Chemung, Tompkins, Cayuga & Steuben Counties, as well as one loan center located in Broome County. Elmira Savings Bank strives to provide above-average returns to our shareholders while providing a broad range.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Solutions Credit Union is a member-owned, not for profit financial institution that has served Elmira, Southport, Ashland and the surrounding communities since 1952. Today, with a commitment to serving our members, we have established $36 million dollars in assets as we continue to grow.
Finger Lakes Health Care Federal Credit Union is a full service, federally insured financial institution serving health care employees and their families in the Elmira-Watkins Glen area. Founded in 1974 FLHC’s main offices are located on the campus of the Arnot Ogden Medical Center in Elmira, NY.
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.
At Visions, we condemn racism, violence, discrimination, and hatred toward any person or persons. It is in our foundation as a credit union to accept and serve all members equally, regardless of their race, social status, or financial position This spirit of inclusion extends to our homes and our employees, too.
