FHA Vs. USDA loan program for Carroll, Chautauqua County, New York

In 2026, the USDA loan limit in Carroll, part of Chautauqua County, NY, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to contrast today’s leading USDA and FHA rates. Calculate the income, credit score, reserves, and documentation required for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, helping you identify the best choice in for your financial situation.

Available USDA and FHA Loan Options in Carroll, NY

Lendersa® is dedicated to finding you the most suitable USDA or FHA loan rapidly and with ease. Choose one of three pathways that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Explaining USDA Loans in NY

The USDA mortgage, backed by the U.S. Department of Agriculture, is also called a USDA rural development loan. It's exclusive to rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, no down payment is needed for the USDA mortgage.

Get top 10
USDA LENDERS
customized to yout needes

Carroll Lenders
(716) 665-3799 Lender's profile and map Greater Chautauqua Federal Credit Union 51 East Main Street, Falconer, NY, 14733 Lends in New York Greater Chautauqua Federal Credit Union has been open since 1940. The credit union has assets totaling $89.32 Million and provides banking services to more than 10, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
(716) 483-1650 Lender's profile and map Jamestown Area Community FCU 915 East Second Street, Jamestown, NY, 14701 Lends in New York To provide a wide variety of financial services at the lowest possible cost to our members and to support the community and the Credit Unions in our area with the philosophy of: ""It's my credit union; it belongs to me."" When you walk into the credit union lobby, or call a loan officer
(716) 483-2798 Lender's profile and map Affinity One Federal Credit Union 545 East Second Street, Jamestown, NY, 14701 Lends in New York Affinity One Federal Credit Union has been open since 1948. The credit union has assets totaling $45.55 Million and provides banking services to more than 4, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
(716) 945-5340 Lender's profile and map CCSE Federal Credit Union 417 Broad Street, Salamanca, NY, 14779 Lends in New York CCSE Federal Credit Union was founded by local teachers in 1977. Initially a teacher’s credit union, we have now expanded to serve everyone who lives or works in Cattaraugus County. CCSE is a full service financial institution. We offer savings and checking accounts, as well as low rates on a variety of lending products.
(716) 665-7000 Lender's profile and map Southern Chautauqua Federal Credit Union 168 East Fairmount Avenue, Lakewood, NY, 14750 Lends in New York Mission Statement: Southern Chautauqua Federal Credit Union is committed to providing its members with the professional financial services they have come to expect. Vision Statement: Southern Chautauqua Federal Credit Union’s vision is to be a resource to the community by offering its members the best financial service and value….period.
(716) 938-9128 Lender's profile and map Cattaraugus County Bank 120 Main Street, Little Valley, NY, 14755 Lends in New York We're locally owned and operated. So we support our community, including the small businesses here in upstate New York. We offer many different commercial loans, checking and savings accounts to make sure your business has what it needs to succeed. Our commitment is best expressed in the different products and services we offer our customers.