USDA VS FHA in Franklinville, Cattaraugus County, NY

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

Utilize the Lendersa® USDA loan calculator to compare today's leading rates for USDA versus FHA. Determine the necessary income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator allows side-by-side viewing of USDA, FHA, Conforming, and VA programs, aiding in selecting the best one for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Franklinville, Cattaraugus, NY

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

USDA and FHA Loan Options in Franklinville, NY

Lendersa® aims to provide you with the best USDA or FHA loans quickly and hassle-free. Choose one of three starting points to connect with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan is backed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage does not require any down payment.

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



  • Greater Salem Employees Federal Credit Union
  • 10 Colonial Road, Suite 1A, Salem, MA, 01970
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  • Salem Five Bank
  • 71 Washington Street, Salem, MA, 01970
  • At Salem Five, we understand the importance of helping our communities. Through the Salem Five Charitable Foundation, we are committed and continue to support a variety of community organizations ensuring vibrant and viable futures for the people whom these critical organizations serve.Salem Five is owned & operated for the benefit of its customers
  • Wheel House Mortgage Services Corporation d/b/a Wheel House Mortgage Services
  • 36 North Bedford Street, Suite C17A, East Bridgewater, MA, 02333
  • Wheel House Mortgage Services, a professional mortgage company specializing in variety loans in whole state of Massachusetts. At Wheel House Mortgage Services, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants.
  • St. Francis X. Federal CU
  • 2140 M-119, Petoskey, MI, 49770
  • St. Francis X FCU’s mission is to be the premier provider of financial services for all residents of Northern Michigan. To achieve this goal we will sustain a culture of never-ending improvement, commit to maximum customer value, operate with integrity and honesty in all relationships, actively support our community, and pursue the application of i
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  • Zipfel Capital
  • 3440 Edwards Rd, Cincinnati, OH, 45208
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  • Mortgage House of America LLC
  • 3530 Edwards Road, Cincinnati, OH, 45208
  • Mortgage House of America has specialized in finding a great product at a great price to suit our clients’ home purchase or refinance needs. From the ground up, we have built our business on strong foundations of honesty, integrity and communication with our clients. Most of our loan officers bring at least ten years of experience.
  • Citizens Bank of Kentucky
  • 620 Broadway, Paintsville, KY, 41240
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  • Franklin Financial Group Inc
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  • All Home Mortgages LLC
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