USDA Loan Vs. FHA loan for Dunkirk, NY [Chautauqua County ]

As of 2026, the USDA loan ceiling in Dunkirk, situated in Chautauqua county, NY, stands at $336,500. In contrast, the FHA loan limit for a single-family dwelling is $472,030.

The Lendersa® USDA loan calculator allows you to evaluate today's best rates for USDA versus FHA loans. It helps you assess the income, credit, reserves, and required documentation for eligibility. By using our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting you in determining the most suitable program for your specific financial circumstances in .

Loan Choices: USDA and FHA in Dunkirk, NY

Lendersa® is dedicated to securing the finest USDA or FHA loan options swiftly and with ease. Choose any of the three starting points to get matched with lenders and USDA loan programs.

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Understanding USDA Loans in NY

A USDA home loan, also recognized as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is accessible in exclusively rural areas. Unlike FHA loans, which necessitate a 3.5% minimum down payment, the USDA mortgage allows you to finance the full amount with no down payment required.

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Dunkirk Lenders
(716) 366-4070 Lender's profile and map Lake Shore Savings Bank 128 East Fourth Street, Dunkirk, NY, 14048 Lends in New York Lake Shore Savings is a community oriented financial institution originally chartered as a savings and loan association in New York in 1891. We are dedicated to serving the financial needs of consumers and businesses within its market area. We are primarily engaged in the business of attracting deposits from the general public
(716) 673-3585 Lender's profile and map S.U.N.Y. Fredonia Federal Credit Union 280 Central Avenue, Fredonia, NY, 14063 Lends in New York SUNY Fredonia Federal Credit Union has been open since 1974. The credit union has assets totaling $45.16 Million and provides banking services to more than 3, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups
(716) 532-8179 Lender's profile and map Seneca Nation of Indians Federal Credit Union 12837 Route 438, Irving, NY, 14081 Lends in New York The Seneca Nation of Indians Federal Credit Union (SNIFCU) is a non-profit, member-owned cooperative financial institution. The Seneca Nation of Indians Federal Credit Union’s (SNIFCU) mission is to provide financial services to our members by designing our products and services to meet their needs.
(716) 326-3858 Lender's profile and map Inner Lakes Federal Credit Union 19-21 East Main Street, Westfield, NY, 14787 Lends in New York At Inner Lakes Federal Credit Union, each dollar of income is passed along to our members in the form of higher dividends on savings, lower interest on loans, or new and improved services. We are member owned and not-for-profit, we exist solely to serve our members and provide a smart alternative to profit-driven banks and other institutions.
(716) 549-4150 Lender's profile and map Lake Shore Federal Credit Union 8766 Erie Road, Angola, NY, 14006 Lends in New York The Lake Shore FCU was chartered in 1967. It is a not for profit financial institution owned and controlled by the members and is operated for your benefit through a Board of Directors elected by the membership. The Board of Directors is the policy making and governing body of the Credit Union
(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) 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.