For 2026, the USDA loan limit in Erwin, situated in Steuben county, NY, is $336,500. The FHA loan limit for a single-family home is $472,030.
Try the Lendersa® USDA loan calculator to compare the current USDA and FHA best rates, and find out the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which program in suits your specific financial situation.
2026 Loan Limits and Downpayment Requirements in Erwin, Steuben, 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 Erwin, NY
Lendersa® is committed to helping you secure the best USDA or FHA loan quickly and effortlessly. Choose from three initial paths to engage with lenders and explore USDA loan offerings.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It specifically caters to rural neighborhoods. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA mortgages require no down payment.
9823 Science Center Drive, Painted Post, NY, 14870
Lends in New York
ServU Federal Credit Union is a full service financial alternative to a bank. As a member owned financial cooperative, credit unions are not-for-profit. They function to serve their membership. As a result, credit unions are able to pay back higher dividends on savings and charge lower interest on loans. Money that is made by the credit union
CCU was founded in 1936 with the goal of helping Corning Glass Works employees with their financial needs. We started with 42 members and $420 in assets. Over the years, we've opened offices in North Carolina and Pennsylvania, in addition to the 10 offices in the Corning/Elmira, New York area.
Our credit union was founded and chartered for business in 1954 by a group of 10 employees at the Ingersoll-Rand Company. Spearheaded by Harold Davis, the Ingersoll-Rand Union President, this group signed the original paperwork to have our credit union recognized by the National Credit Union Administration (NCUA).
The NCUA chartered the VAC Employees CU in 1949. Originally for the VA medical center. The Credit Union is now known as Steuben Citizens Federal Credit Union. Anyone who works, lives, or worships in Steuben County!! VA medical center. The Credit Union is now known as Steuben Citizens Federal
The Credit Union was established on February 24, 1936 as District #6 New York State Highway Employees and was located at 30 West Main Street in Hornell. Membership was primarily made up of NYS Department of Transportation employees that worked in Region 6 (Steuben, Allegany, Chemung, Schuyler and Yates Counties)
Finger Lakes Health Care Federal Credit Union is a full service, federally insured financial institution serving health care employees and their families in the Elmira-Watkins Glen area. Founded in 1974 FLHC’s main offices are located on the campus of the Arnot Ogden Medical Center in Elmira, NY.
Solutions Credit Union is a member-owned, not for profit financial institution that has served Elmira, Southport, Ashland and the surrounding communities since 1952. Today, with a commitment to serving our members, we have established $36 million dollars in assets as we continue to grow.
