USDA Vs. FHA Pro and Con comparison in Ellery, Chautauqua County, NY
In 2026, the USDA loan limit for a single-family home in Ellery, county of Chautauqua, NY, is $336,500, whereas the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare the best rates available today for USDA versus FHA loans and determine the required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can see the USDA, FHA, Conforming, and VA loan options side by side, helping you choose the best program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Ellery, Chautauqua, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Ellery, NY
Lendersa® aims to quickly and hassle-freely provide the best USDA or FHA loan possible. Select one of three starting options to find matching lenders and loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is available only in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment.
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