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