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

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

Leverage the Lendersa® USDA loan calculator to compare today's USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents required for qualification. Our expert-level calculator allows you to see USDA, FHA, Conforming, and VA options side-by-side, helping you choose the best program for your financial scenario in .

Check offers from 100 lenders

Loan Limits and Down Payments for 2025 in Fredonia, County of Chautauqua, 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 Choices in Fredonia, NY

Lendersa® aims to find you the best USDA or FHA loan swiftly and effortlessly. Opt for one of three avenues to connect with lenders and uncover appropriate USDA programs.

USDA loan request and matching results by Lendersa

Understanding USDA Loans in NY

A USDA home loan, or USDA rural development loan, also known as a USDA mortgage, is backed by the Department of Agriculture and available solely in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans don't necessitate any down payment.

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



  • Cadets Federal Credit Union
  • 1751 Transit Road, Elma, NY, 14059
  • 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.
  • SJP Federal Credit Union
  • 341 Englewood Avenue, Buffalo, NY, 14223
  • SJP Federal Credit Union was established in 1939 and is now one of the fastest growing, industry leading credit unions in Western New York. At SJP Federal Credit Union, people truly are worth more than money and SJP Federal Credit Union Specialties in Auto Loans, Boat & RV Loans, Member Business Loans, and CDs, IRAs, & Money Market Accounts
  • Morton Lane Federal Credit Union
  • 388 Englewood Avenue, Buffalo, NY, 14223
  • Morton Lane Federal Credit Union is committed to serving its members' financial needs by providing the ultimate in banking convenience, excellent member service, convenient branch locations, competitive savings and loan programs and much more. We offer convenient 24 hour access to your accounts
  • Kenmore Teachers FCU
  • 2265 Sheridan Drive, Buffalo, NY, 14223
  • The Kenmore Teachers Federal Credit Union is celebrating our 83rd anniversary. What an honor to serve our members for so many years! During these years, we have progressed from a simple savings and loan credit union to one that provides a full spectrum of financial services the Credit Union was organized in 1935
  • Good Neighbors Credit Union
  • 30 Brunswick Road, Depew, NY, 14043
  • 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,
  • AFGM Enterprises Federal Credit Union
  • 132 Cayuga Road, Cheektowaga, NY, 14225
  • 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.
  • L.W. INTEGRITY FUNDING, LLC
  • 4498 Main St, Suite 8, Buffalo, NY, 14226
  • LW Integrity Funding LLC, our commitment to customers is in our name. Since 2005, we have helped clients across the Greater Buffalo area, and Western New York. We pride ourselves for building community and helping customers secure the mortgages they need to open a new chapter in their life.
  • SELECT MORTGAGE, INC.
  • 2530 Village Common Dr., Erie, PA, 16506
  • SELECT MORTGAGE, INC. our industry resources make us uniquely qualified to offer you a variety of flexible mortgage programs with an unsurpassed level of customer service. We are able to offer FREE same day pre-approvals! We're here to answer your questions and to help you understand every step
  • Niagara’s Choice Credit Union
  • 3619 Packard Road, Niagara Falls, NY, 14303
  • Niagara’s Choice Credit Union We are a full-service, not-for-profit, financial organization serving over 24, 000 members. The majority of our member base is within Niagara County, we serve members who live across the United States. The credit union was founded in 1953 by a small group of employees of the former Hooker Chemical Company.
  • NFFMECU
  • 615 Main Street, Niagara Falls, NY, 14302
  • NFFMECU provide our members with best possible financial services, stressing personal attention and competitive rates and terms.The NFFMECU has a strong commitment to our members and encourages members to make the Credit Union their primary financial institution. The Credit Union offers very competitive rates and terms and members are encouraged
  • R & R FUNDING, INC.
  • 10 Sussex Ln, Lancaster, NY, 14086
  • The resourceful and skilled team at R & R Funding, Inc. is eager to help you reach your dreams. If you need an experienced Lancaster, NY Mortgage team focused on precision, give us a call. Ron Fronckowiak's service is unparalled and I am typically available 24/7/365. My dedication to being a top mortgage professional began in 2002.
  • Amherst Federal Credit Union
  • 6470 Main Street, Suite 5, Amherst, NY, 14221
  • Amherst Teacher’s Federal Credit Union, membership was comprised of employees from our original 46 sponsor groups and their families. For a list of original sponsors, click here. With the addition of new, non-education based sponsor groups in 2003, Amherst Teacher’s FCU modified its name to what we continue as today; Amherst Federal Credit Union.