USDA Vs. FHA Pro and Con comparison in Batavia, Genesee County, NY
During 2025, 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 .
2025 Lending Limits and Downpayment Guidelines in Batavia, Genesee County, NY
Loan Category
Maximum Limit
Minimum Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Alternatives in Batavia, NY
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.
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Recognizing that agriculture is the primary industry of Brown County, the policy of Farmers State Bank & Trust Co
