FHA loan limits and USDA eligibility for ZIP 13863 — Willet, NY

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks possible here if income is under the cap.

See figures for this ZIP
Couple reviewing home loan options for their ZIP code

USDA property eligibility

Likely eligible for $0 down

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

View map

USDA income limits

Cortland County

1–4 person household income limit

$122,800

5–8 person household income limit

$162,100

  • Cortland County (Primary): $122,800 / $162,100
  • Broome County: $122,800 / $162,100

View map

2026 FHA loan limits

Cortland County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Queens County

1-unit

$1,249,125

2-unit

$1,599,375

3-unit

$1,933,200

4-unit

$2,402,625

This ZIP lists more than one county cap. The property address picks the county on the loan.

View map

FAQ for ZIP 13863

Learn More