USDA Loan Vs. FHA loan for Allegany, NY 2026

For the year 2026, the USDA loan limit in Allegany, within Cattaraugus county, NY, is $336,500. The FHA limit for a single-family home is set at $472,030.

Take advantage of the Lendersa® USDA loan calculator to explore today's top USDA versus FHA rates and determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows you to assess USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the most appropriate program for your financial needs in Alabama.

Exploring USDA and FHA Loan Options in Allegany, NY

The aim of Lendersa® is to promptly secure you the best available USDA or FHA loan without hassle. Choose one of three starting points to connect with lenders and access suitable USDA loan programs.

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Understanding USDA Loans in NY

The USDA home loan, which is backed by the U.S. Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgage loans do not require any down payment at all.

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Allegany Lenders
(716) 373-0155 Lender's profile and map Olean Teachers and Postal County Federal Credit Union 1700 Constitution Avenue, Olean, NY, 14760 Lends in New York The Olean Teachers and Postal Federal Credit Union was chartered in 1952. It is a not-for-profit financial institution owned and controlled by the members and is operated for your benefit through a Board of Directors elected by the members. The Board of Directors is the policy making and the governing body of the Credit Union.
(716) 945-5340 Lender's profile and map CCSE Federal Credit Union 417 Broad Street, Salamanca, NY, 14779 Lends in New York CCSE Federal Credit Union was founded by local teachers in 1977. Initially a teacher’s credit union, we have now expanded to serve everyone who lives or works in Cattaraugus County. CCSE is a full service financial institution. We offer savings and checking accounts, as well as low rates on a variety of lending products.
(716) 938-9128 Lender's profile and map Cattaraugus County Bank 120 Main Street, Little Valley, NY, 14755 Lends in New York We're locally owned and operated. So we support our community, including the small businesses here in upstate New York. We offer many different commercial loans, checking and savings accounts to make sure your business has what it needs to succeed. Our commitment is best expressed in the different products and services we offer our customers.
(716) 496-5087 Lender's profile and map TRI COUNTY FEDERAL CREDIT UNION 30 School Street, Delevan, NY, 14042 Lends in New York Tri county Federal Credit is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.
(716) 665-3799 Lender's profile and map Greater Chautauqua Federal Credit Union 51 East Main Street, Falconer, NY, 14733 Lends in New York Greater Chautauqua Federal Credit Union has been open since 1940. The credit union has assets totaling $89.32 Million and provides banking services to more than 10, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,