USDA VS FHA in Eggertsville, Erie County, NY

In 2026, within Eggertsville, located in Erie, NY, the USDA loan limit is $336,500, whereas the FHA limit for a single-family home stands at $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate the most advantageous USDA vs. FHA rates today, and to determine the needed income, credit, savings, and documents for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side-by-side, aiding your decision on the best solution for your financial circumstances in .

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2026 Loan Limits and Downpayment Specifications in Eggertsville, Erie, NY

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

Loan Choices: USDA and FHA in Eggertsville, NY

The mission of Lendersa® is to seamlessly obtain for you the most suitable USDA or FHA loan. Select from three pathways leading to aligned lenders and USDA programs.

Results of a USDA loan request and matching by Lendersa

Explaining a USDA Loan in NY

A USDA home loan, endorsed by the Department of Agriculture, is known as a USDA rural development loan or USDA mortgage and is reserved for rural areas only. In contrast to FHA loans demanding a 3.5% minimum down payment, USDA loans require none.

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



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