USDA Vs. FHA Pro and Con comparison in Buffalo, Erie County, NY
In the year 2025, 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.
2025 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.
Since 1992, that promise still has not been broken. We intend to keep it that way. While Citizens Community Bank continually adds new products and services to accommodate your needs, such as Internet Banking and Bill Pay, we will never take away the personal service. It is what worked for us
The Bank of O’Fallon has been proudly serving the needs of O’Fallon, Shiloh and the surrounding areas since 1959. It stands as one of the oldest businesses in O’Fallon and is committed to the future of the metro east as the area continues to grow. Please stop in today or give us a call to see what we can do for you.
1405 N. Green Mount Rd, Suite 250, O Fallon, IL, 62269
Delmar Financial Company is a full-service mortgage company helping new and experienced buyers find their dream homes. Delmar Financial offers a wide range of mortgage products that allow us to fit the best loan to the specific needs of each client. Our products range from conventional, Jumbo, FHA, VA, and more.
Bldg. 417 Crooked Tree Drive, Dawsonville, GA, 30534
Destiny Mortgage Lending you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
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.
New Mission Mortgage are buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
Southeast Financial Credit Union, our employees are an important part of our success, and we are excited that you have selected us to round out your career search. We are committed to providing an environment that fosters professionalism, growth and We recognize that our team is the reason we provide one of the highest levels of member service
SIU Credit Union was founded in 1938 as Jackson County Teachers' Credit Union. Today, we serve 24 counties and many employer groups in southern Illinois. As a not-for-profit, member owned, financial cooperative, we believe in serving our membership instead of maximizing profits and Today, we serve 24 counties and many employer groups in southern Il
