USDA Vs. FHA Pro and Con comparison in Amherst, Erie County, NY
For 2026, the USDA loan limit in Amherst, found in Erie within NY, stands at $336,500, while the FHA limit for a single-family house is $472,030.
Use the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, helping you determine the necessary income, credit, reserves, and paperwork to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side to aid in selecting the best option for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Amherst, Erie, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Lending Options in Amherst, NY
Lendersa®'s mission is to expedite finding the best USDA or FHA loan for you with ease. Begin with one of three approaches to link with lenders offering USDA loan programs.
A USDA home loan, also known as a USDA Rural Development Loan, is issued by the Department of Agriculture and is targeted solely at rural areas. In contrast to FHA loans that need a 3.5% down payment, USDA loans require no down payment at all.
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Lends in New York
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