As of 2026, the USDA loan limit for Collins, in Erie, NY, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates. Examine the income, credit, reserves, and required documents for qualification. With our advanced mortgage calculator, USDA, FHA, Conforming, and VA programs are compared side by side, guiding you to identify the best option for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conforming Conventional | $726,200 | 3% |
The mission of Lendersa® is to swiftly connect you with the optimal USDA or FHA loan without hassle. Choose from three starting points that align with lenders and engage USDA loan programs.
A USDA home loan, backed by the Department of Agriculture—also known as a USDA rural development loan or mortgage—is only available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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