USDA VS FHA in Aurora, Erie County, NY

In 2026, 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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2026 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?



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