During 2026, in the city of Batavia located in Genesee county, NY, the USDA loan ceiling is $336,500. Conversely, the FHA loan cap for a single-family residence is $472,030.
Try using the Lendersa® USDA loan calculator to compare today's standout USDA versus FHA rates and assess the income, credit, reserves, and paperwork required for eligibility. Our advanced mortgage calculator juxtaposes USDA, FHA, Conforming, and VA offerings side by side, helping you settle on the ideal plan for your financial circumstances in
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| Loan Category | Maximum Limit | Minimum Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The primary aim of Lendersa® is to connect you with the most suitable USDA or FHA loan quickly and effortlessly. Opt for one of three initial pathways to find compatible lenders and USDA programs.
A USDA home loan is backed by the U.S. Department of Agriculture, known also as a USDA rural development loan or USDA mortgage, reserved for rural locales exclusively. Unlike FHA loans, which mandate a down payment of at least 3.5%, USDA loans demand no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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