USDA Vs. FHA your options comparison in Ellicott, Chautauqua County, NY

In 2025, USDA loan limit in Ellicott, county of Chautauqua, NY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Ellicott, county of Chautauqua, NY

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

USDA and FHA loan options in Ellicott, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Bayview Residential Brokerage
  • 51 E Campbell Avenue, Suite 110, Campbell, CA, 95008
  • "Bayview Residential provides home lending and real estate services as one of the largest independent mortgage and real estate brokerages in California and recently ranked as the number 10 mortgage brokerage in the US. Established in 2004, Bayview works with over 150 agents, 90 of whom are endorsed as Mortgage Loan Officers."
  • Diversified Loan Services, Inc.
  • 257 E Campbell Ave #3, Campbell, CA, 95008
  • Diversified Loan Services, Inc. (DLS) is committed to providing sound and secure trust deed investment opportunities for private individuals looking for higher rates of return on their investment. We value personal relationships and integrity in meeting our client’s investment needs.
  • Kal Financial
  • 2542 South Bascom Avenue, Ste. 130, Campbell, CA, 95008
  • Kal Financial offers many great resources on our website please make sure you get the following free resources such as how does the loan process work with Kal Financial? We have a Free Campbell California Mortgage Calculators or fill out a 100% FREE, No-Obligation, Secure Online Loan Application or give us a call at the office no.
  • Silicon Valley Mortgage Corp
  • 451 Los Gatos Boulevard, Suite 104, Los Gatos, CA, 95032
  • "We are a group of experienced, dedicated professionals who are premier providers of mortgage loan financing for home buyers and home loan borrowers based in Silicon Valley, about 45 minutes south of San Francisco, California. We offer the assistance you need to help in all of your mortgage endeavors.
  • Victoria Capital Mortgage Company
  • 455 Los Gatos Boulevard, Suite 100, Los Gatos, CA, 95032
  • "Mark is an Experienced and Top Producing Loan Agent based in Los Gatos but serving homeowners throughout California since 2003. Expert Advice. Responsive Service. Fast Turn Times. Expansive Product Selection. Great Rates. Home Refinance, Purchase, FHA, VA, Home Equity, Debt Consolidation.
  • The Westside Mortgage Group
  • 569 University Avenue, Los Gatos, CA, 95032
  • Westside Mortgage is a boutique mortgage brokerage located in Los Gatos, California. The company was founded by Eric Cutting in 1994, and has originated and closed over 1.5 Billion in mortgage loans. The business relies solely on referrals from prior clients, and specializes in Purchase, Refinance, Equity and Private Lending.
  • Loanco, Inc.
  • 331 Santa Rosa Drive, Los Gatos, CA, 95032
  • Founded in 1987, ​​Loanco is a real estate finance company active since the late 1980’s. Our staff is comprised of talented and accomplished individuals. We offer one to four unit residential mortgage loans and commercial real estate loans. We have over 70 years industry experience to put to work for our clients.
  • Victoria Capital Mortgage
  • 455 Los Gatos Blvd. Suite 100, Los Gatos, CA, 95032
  • Mortgage Brokering and Origination. Victoria Capital Mortgage Company works with over 30 lenders and specializes in purchase, re-finance and reverse mortgage loans. Contact us for excellent service to save money on your home loan. Victoria Capital Mortgage Established in 1998 and We have been servicing home owners in the Silicon Valley since 1998.
  • Saratoga Capital Inc
  • 485 Alberto Way, Suite 200, Los Gatos, CA, 95032
  • Saratoga Capital, Inc. is a privately-held real estate management company on the West Coast offering apartment home residences, amenities and customer service for renters throughout 35 locations. Since 1971, we have been committed to providing our customers with the best possible service—and exceeding expectations every day.
  • CalHomes
  • 510 Lawrence Expressway, Suite 209, Sunnyvale, CA, 94085
  • "CalHomes - Real Estate & Mortgage. CalHomes is located in the center of Silicon Valley. CalHomes caters to New Immigrants, Fresh Graduates and Well Established employees and investors. CalHomes covers all the counties in & around Bay Area - Alameda, Contra Costa, Santa Clara, San Mateo, San Francisco, Marin, Solano, San Joaquin, Merced & Mont
  • Guaranteed Rate
  • 1400 Shattuck Ave Suite 1, Berkeley, CA, 94709
  • Guaranteed Rate trusted local lender familiar with local market dynamics, Dianne Crosby is a Top Producing mortgage lender and Certified Mortgage Planning Specialist at Guaranteed Rate, closing over $100 million annually for her clients in the East Bay. With access to the low interest rates of a large mortgage bank.
  • Niche-Loans
  • Oakland, Oakland, CA, 94601
  • We have Over 20 Years of Commercial & Residential Lending Experience at Niche-Loans. Great Network Relationships with Conventional Banks and Lenders, Bridge and Private Money Lenders, etc. Able to work through Complexed Deal Situations even in this current challenging lending market. Fast Answers, Great and Reliable Service and Willing to go the Ex