USDA VS FHA in East-Aurora, Erie County, NY

In the year 2026, the USDA loan limit in East-Aurora, located in the county of Erie, within the state of NY, is set at $285,000. Meanwhile, for a single-family dwelling, the FHA limit stands at $356,362.

Utilize the Lendersa® USDA loan calculator to assess today’s optimal USDA versus FHA rates. This will help you identify the income, credit, reserves, and documentation required to qualify. Our sophisticated mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, enabling informed decisions about the best program in Alabama for your unique financial circumstances.

Explore and contrast loan offers from a selection of 100 lenders

Loan limits and down payment requirements for 2026 in East-Aurora, Erie County, NY

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in East-Aurora, NY

The mission of Lendersa® is to efficiently secure the most favorable USDA or FHA loan for you without unnecessary delays. Begin with one of three methods that connect you to matched lenders and suitable USDA loan programs.

USDA loan match results from Lendersa

Understanding USDA Loans in NY

A USDA home loan, which is backed by the United States Department of Agriculture, is also known as a USDA Rural Development Loan or USDA mortgage. It is available exclusively in rural areas. In contrast to FHA loans that require a down payment of at least 3.5%, the USDA mortgage typically necessitates no down payment.

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



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  • 5 Hutton Centre Drive, Suite 200, Santa Ana, CA, 92707
  • "Nations Direct is not just a lender -we’re your partner for prosperity. We’re continually innovating to offer our partners the highest quality service, the most competitive rates and the most efficient processes in the wholesale lending industry. Nations Direct Mortgage specializes in residential lending,"
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  • HMAC must have unlimited growth potential. In order to achieve this, there should be a dedication to ensuring that there is large capital infusion which can help promote warehouse line capacity, start-up capital, and reserves that are required by the state and agencies guidelines
  • Serv Corp
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  • A Serv Corp private money loan provides flexible short-term financing solutions for investors to purchase new properties, refinance existing investments or fund renovation. Close in 7-10 days. Rates from 10.0% Up to 85% LTC & 70% ARV No application fees Get pre-approved in minutes Close in 7-10 days Low Costs Fees start at 1.25 Points
  • WestOne Home Mortgage Refinancing
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  • Associated Properties Inc.
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  • Associated Properties, Inc., a family-owned real estate & lending company, was founded back in 1964 and incorporated in 1973 by Albert George Geigele of Newport Beach California. His career in real estate & lending spanned over half a century. Those whom had the privilege to work with him will always remember him for his honesty and trust
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  • Loans by Suzette
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