USDA VS FHA in Colden, Erie County, NY

In 2026, the USDA loan limit in Colden, Erie County, NY, is $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate and compare today's leading USDA and FHA rates. Determine income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, helping to identify the best program in for your financial needs.

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2026 Loan Limits and Downpayment Requirements in Colden, Erie, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Colden, NY

The goal of Lendersa® is to secure the best USDA or FHA loan swiftly and without hassle. Choose one of three starting paths to connect with lenders and USDA loan programs.

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Understanding the USDA Loan in NY

A USDA home loan, backed by the U.S. Department of Agriculture and also known as a USDA rural development loan, is available solely in rural neighborhoods. Unlike FHA loans requiring a 3.5% down payment, the USDA mortgage requires none.

Enter your location to find out if it qualifies for USDA rural housing loan?



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