In 2025, the USDA loan limit in Harris-Hill, located in Erie county, NY, is $285,000. Meanwhile, for a single-family home, the FHA loan limit is $356,362.
The Lendersa® USDA loan calculator allows you to compare today’s optimal USDA versus FHA rates and determine the income, credit score, reserves, and documents needed for eligibility. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to connect you with the best USDA or FHA loan quickly and without complications. Choose one of three starting options to match with lenders and access USDA loan programs.
The USDA home loan, known as the USDA rural development loan or mortgage, is backed by the U.S. Department of Agriculture and is available exclusively in rural neighborhoods. Unlike FHA loans, which mandate a minimum 3.5% down payment, USDA loans uniquely require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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