In 2026, the USDA loan cap within Cambria, county of Niagara, in NY is $336,500, whereas the FHA limit for single-family houses stands at $472,030.
Use the Lendersa® USDA loan calculator to compare the current best rates between USDA and FHA loans and assess the necessary income, credit score, reserves, and documentation required for qualification. Our sophisticated mortgage calculator places USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the most suitable program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to swiftly and seamlessly provide you with the most advantageous USDA or FHA loan. Choose one of three starting approaches that align with lenders and USDA loan schemes.
The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and exclusively available in rural communities. In contrast to FHA loans, which mandate at least a 3.5% down payment, USDA loans require no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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