USDA Vs. FHA your options comparison in Aurora, Erie County, NY

In 2025, the USDA loan limit for Aurora in Erie county, NY, is $336,500. Meanwhile, the FHA limit for a single-family home is set at $472,030.

Leverage the Lendersa® USDA loan calculator to compare the best USDA vs. FHA rates available today, and determine the income, credit score, reserves, and documents necessary to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you select the best program for your financial needs in .

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2025 loan limits and down payment requirements in Aurora, 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 Loan Options in Aurora, NY

Lendersa® aims to swiftly connect you with the best USDA or FHA loan options without hassle. Choose from three starting points that lead to matched lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan is a government-backed loan through the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, and is solely available in rural areas. Unlike FHA loans that mandate a minimum down payment of 3.5%, USDA loans require no down payment.

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



  • Premier Realty Services Inc
  • 1940 North Tustin Avenue, Suite 113, Orange, CA, 92865
  • Premier Realty Services, Inc, a full service Real Estate Company. We pride ourselves on our extensive knowledge of all aspects of Real Estate, including Mortgages, residential sales, leasing, and Property Management. To support our growing business we have added the following free services for our clients: Mortgage (Refinance & Purchase Loans)
  • Ennkar Inc.
  • 1036 West Taft Avenue, Suite 200, Orange, CA, 92865
  • Ennkar Inc Our team is dedicated to providing a high-level of service as we understand how important a home loan is to every household. We have mastered our start-to-finish process and we are actively searching for new ways to make it even better. Our mission is to help each and every household find and acquire the loan that is right.
  • Calco Financial
  • 202 West Lincoln Avenue, Suite N, Orange, CA, 92865
  • Calco Financial We are your one stop shop for Real estate and financing! Click our link to see what you qualify for! You may also click ""Apply for Loan"" for full loan application. Once there you can print the application, fill it out and send it to us. If you have further questions
  • Ibew/Sj Cascade Federal Credit Union
  • 1825 12th Street SE, Suite 130, Salem, OR, 97302
  • IBEW/SJ Cascade Federal Credit Union is a member owned, not for profit financial cooperative that is committed to its members. We are committed to the financial well-being of our membership. We offer a full line of savings & loan products. We offer most services that an individual could get at any other financial institute delivered at a fair cost.
  • Valley Credit Union
  • 2096 Mission St, Salem, OR, 97302
  • Valley Credit Union is a not-for-profit financial institution dedicated to exceptional service, competitive rates and products and a commitment to the local community. The Valley team lives in the same community as our members and we want you to feel as welcome here as you do in your own home.
  • Landmark Professional Mortgage Company
  • 1255 Lee St SE, Suite 200, Salem, OR, 97302
  • Landmark Professional Mortgage Company is a locally-owned boutique mortgage bank. Collectively, we have been serving the residential mortgage needs of Oregon and Washington for over 31 years and are committed to being your trusted source for home financing education and guidance. Our focus is on your experience.
  • Mortgage First Corporation
  • 1761 Liberty St SE, Salem, OR, 97302
  • Mortgage First is committed to providing our clients with the best of both worlds–excellent customer service and competitive rates. Our seasoned mortgage professionals will work with you one on one to ensure that you get the right home financing solution tailored specifically to meet your needs.
  • LifeSource Mortgage
  • 1238 Puerta Del Sol, Suite 2-E, San Clemente, CA, 92673
  • We take great pride in delivering top-quality customer service with honesty, clear communication, and the utmost integrity. LifeSource Mortgage is licensed to cover all your residential mortgage needs throughout the state of California, Colorado and Idaho. We offer a variety of home loan options including traditional fixed-rate mortgages etc.
  • Alliance Mortgage Lending
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  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.