USDA Loan Vs. FHA loan pro & con Ellicott, Chautauqua County, NY

In 2026, the USDA loan cap in Ellicott, Chautauqua county, NY is $336,500, whereas the FHA limit for a single-family residence is $472,030.

Use the Lendersa® USDA loan calculator to evaluate today's leading USDA and FHA rates. This tool helps you ascertain the income, credit, savings, and documentation needed to qualify. With our sophisticated mortgage calculator, you get a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you in choosing the most suitable program in for your specific financial case.

Options for USDA and FHA Loans in Ellicott, NY

Lendersa® aims to provide you with the finest USDA or FHA loan promptly, without hassle. Start with one of three approaches that help you match with lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, supported by the Department of Agriculture, known as a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans, which require a minimum downpayment of 3.5%, the USDA mortgage entails no downpayment at all.

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Ellicott Lenders
(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.
(716) 945-5340 Lender's profile and map CCSE Federal Credit Union 417 Broad Street, Salamanca, NY, 14779 Lends in New York CCSE Federal Credit Union was founded by local teachers in 1977. Initially a teacher’s credit union, we have now expanded to serve everyone who lives or works in Cattaraugus County. CCSE is a full service financial institution. We offer savings and checking accounts, as well as low rates on a variety of lending products.
(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