USDA Vs. FHA Pro and Con 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 St. John United Federal Credit Union is a Community Development Credit Union (CDCU) a financial cooperative, owned by it’s members who live, work, worship or attend school in the city of Buffalo, NY. This credit union exists for the financial benefit of the membership and the community at large
130 South Elmwood Avenue, Room 147, Buffalo, NY, 14202
Lends in New York
The IRS Buffalo Federal Credit Union is a not-for-profit member owned and operated financial institution established to meet the needs of its members and members of their families.
The IRS Buffalo Federal Credit Union received its charter on February 1, 1957, thanks to some determined IRS employees
The Buffalo Police Federal Credit Union was founded on March 26, 1936. We are proud to serve the dedicated employees of the Buffalo Police and Fire Department. Our earnings are passed on to the membership in the form of better rates, costs, and services. and also The Buffalo Police Federal Credit Union strives to provide quality financial services
Buffalo Conrail Federal Credit Union has been open since 1935. The credit union has assets totaling $52.46 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
Founded in 1975, we are a not-for-profit organization owned by members your credit union, your moneyKaleida Health FCU is a member based credit union. For more information about how to join please visit our website, call or visit one of our branches. We are located inside of Buffalo General and Millard Fillmore Suburban Hospitals. Thank you
CNB Financial Corporation is a leader in providing integrated financial solutions, which create value for both consumers and businesses. These solutions encompass deposit accounts, private banking, real estate, commercial, industrial, residential and consumer loans and lines of credit
HUNT Mortgage, we pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers.
Our customers save money and close their loans quickly because we employ the most advanced digital technology available."
Commercial Loan Specialists looking to connect with Real Estate Investors to provide a superior service for any of your Lending, Investment or Funding needs. For any Commercial Real Estate or Business Purpose Loans, or to ask about our Real Estate Birddog Service that caters to off-market properties, give us a call. Be sure to visit our socials to
SJP Federal Credit Union was established in 1939 and is now one of the fastest growing, industry leading credit unions in Western New York. At SJP Federal Credit Union, people truly are worth more than money and SJP Federal Credit Union Specialties in Auto Loans, Boat & RV Loans, Member Business Loans, and CDs, IRAs, & Money Market Accounts
