USDA Vs. FHA Pro and Con comparison in 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.
2026 Loan Limits and Downpayment Requirements in Ellicott, Chautauqua, NY
Loan Type
Loan Limit
Downpayment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
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.
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.
Buffalo Conrail Federal Credit Union has been open since 1935. The credit union has assets totaling $52.46 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
Cadets Federal Credit Union has been open since 1950. The credit union has assets totaling $15.29 Million and provides banking services to more than 1, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
In November of 1980 a small group of motivated employees met in the Town of Cheektowga Police Department’s pistol range room. These individuals laid the foundation for the soon to be chartered Town of Cheektowaga Employee’s Federal Credit Union. Among the members who attended and cooperated in the formation of the credit union were David J. Kulik,
CrossRoads Community Federal Credit Union is a not-for-profit financial cooperative whose purpose is to meet the financial needs of its members. We are member-owned. In other words, we answer to our members – not a small group of stockholders or an out-of-town corporation. Our profits are returned to our members in the form of low/no-fee products,
Cheektowaga Community Federal Credit Union has been open since 1959. The credit union has assets totaling $11.74 Million and provides banking services to more than 1, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
Good Neighbors Credit Union embraces its responsibility to serve a diverse membership – from underserved individuals looking to build a financial foundation to those with stronger means seeking a high-quality, accessible, stress-free banking alternative. We expertly deliver a range of products, services, tools,
Commercial Loan Specialists looking to connect with Real Estate Investors to provide a superior service for any of your Lending, Investment or Funding needs. For any Commercial Real Estate or Business Purpose Loans, or to ask about our Real Estate Birddog Service that caters to off-market properties, give us a call. Be sure to visit our socials to
Mountain Laurel Federal Credit Union is a not-for-profit financial institution owned by its members. It is our goal to provide our members with a full range of financial services at competitive rates, while maintaining financial stability. In offering these services, we will promote thrift.
AFGM Enterprises Federal Credit Union is a member-owned not for profit financial institution. The Credit Union's motto is "Not for profit, not for charity, but for service". We strive to provide value and convenience in all our financial products and services. Your membership is very important to us.
Allegany First Federal Credit Union has been open since 1977. The credit union has assets totaling $21.28 Million and provides banking services to more than 2, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
Galaxy Federal Credit Union is a community credit union offering a full range of financial services to anyone that lives, works, worships, volunteers, or attends school in Venango County AND all of their immediate family members. Galaxy will provide the best financial services and products at competitive rates in a safe.
"At Radius Federal Credit Union, we believe that all of us share common
goals, but we nurture individual dreams. Those dreams inspire your
decisions, drive your ambitions, and revolve around what’s truly
important. That’s your 360° life. And Radius is by your side for every turn and transition."
