USDA Vs. FHA your options comparison in Buffalo, Erie County, NY
In the year 2026, the USDA loan limit within Buffalo, located in Erie county, NY, is $336,500, whereas the limit for FHA on a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to assess the best current rates between USDA and FHA loans, helping you identify the needed income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA options to aid in finding the ideal program in for your financial situation.
2026 Loan Limits and Down Payment Requirements in Buffalo, County of Erie, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Buffalo, NY
Lendersa® aims to swiftly secure the best USDA or FHA loan for you without any hassle. Choose one of three initial approaches that will align you with the appropriate lenders and USDA loan programs.
The USDA home loan, guaranteed by the government’s Department of Agriculture, also known as the USDA rural development loan or mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans, which demand a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all, making it a unique and attractive option for eligible buyers.
The Loan Fund is a nonprofit organization that has helped hundreds of financially underserved small businesses & nonprofits across New Mexico to start, grow and thrive. Our clients are typically unable access credit through banks or credit unions. The Loan Fund is a 501(c)(3) nonprofit organization that is certified by the US Treasury Department.
DreamSpring is a nonprofit community lender dedicated to eliminating systemic wealth inequities and accelerating the economic inclusion & strength of underserved communities. Founded in 1994, the organization, which operates in 19 states, provides rapid access to capital & customized wrap-around support to the most vulnerable small business owners.
Belt Valley Bank is a locally owned, full service, independent bank serving Central Montana since 1936. We offer a range of deposit and loan products with customer service second to none. Our goal is to be your financial partner. Our directors, officers, and staff strive to stay involved with community events and enjoy the opportunity.
Security First Federal Credit Union has been dedicated to improving the quality of life in the communities we serve. With over $375 million in assets, Security First Credit Union has grown to 15 locations throughout the Rio Grande Valley. As a financial institution we offer similar products and services as a bank. As a credit union
Texas National Bank has been serving the Rio Grande Valley since 1920 and prides itself on knowing the community – not just the needs of the community but the people living within that community as well.
Known originally as First National Bank of Mercedes in 1920, the bank changed its name in 1985 to become Mercedes National Bank.
We are a group of individuals that are uniquely different, we share a common goal and the like-minded belief that we can change the face of real estate through knowledge, experience, hard work, technology, honesty, integrity and by and giving back to our community. We are NOT centered around a presentation or sales pitch
3111 W Freddy Gonzalez, Suite 225, Edinburg, TX, 78539
"WallStreet Wholesale Lender LLC is designed to help borrowers with their Mortgage Loan. Our platform allows borrowers to obtain wholesale rates in a retail market.
Our Loan Officer are Licensed and educated. We obtain the best loan officers in Texas. Our requirements are
for our Loan Officers to be educated, resourceful."
Cuba Credit Union was charted in 1972 as a school-based credit union including Cuba Independent Schools and Jemez Mountain Schools. Over the years, there have been several managers and volunteers elected by the membership. These Managers and Volunteers set the foundation for the Credit Union we have today.
