USDA VS FHA in Harris-Hill, Erie County, NY

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 for your financial needs.

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2025 Loan Limits and Downpayment Requirements in Harris-Hill, Erie, NY

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in Harris-Hill, NY

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.

Results from Lendersa USDA loan requests

Defining USDA Loans in NY

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?



  • Solution Loans
  • 2723 West 3500 South, Suite 140, West Valley City, UT, 84119
  • Solution Loans provides a true solution back to financial freedom. We at Solution Loans are committed to provide a product that not only provides for your immediate needs but places you in a better position personally, financially, and socially. Solution Loans products are structured to ensure your success as well as giving you a way
  • Ally Bank
  • 200 West Civic Center Dr, Sandy, UT, 84070
  • Ally Bank offers mortgages in forty-nine states and Washington D.C. Ally Bank offers numerous mortgage programs including conventional, jumbo and HomeReady mortgages. Ally Bank is a FREEandCLEAR Certified Bronze Low Rate Lender and Technology All Star. Ally Bank is an Equal Housing Lender
  • Monument Mortgage Group of America
  • 9730 South 700 East, Suite 111, Sandy, UT, 84070
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs & most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
  • Canyons Mortgage I, LLC
  • 9137 South Monroe Plaza Way, Suite C-1, Sandy, UT, 84070
  • Canyons Mortgage helped us finance our first home back in 2011, and we have been loyal customers ever since. As new home buyers, we were very overwhelmed by the process and all of the requirements and paperwork involved. Greg and his team took the time to thoroughly explain each step of the process, answer all of our questions.
  • Independent Home Loans, LLC
  • 9557 S. 700 E, Suite 200, Sandy, UT, 84070
  • We understand that buying or selling a home is one of the biggest decisions an individual or family can make. For that reason alone, we take this as seriously as you do, and will always put your priorities and needs before all else. Buying a home is about YOU, not us. Let us show you why our team is the dependable choice for your mortgage needs.
  • Laser Lending
  • 8899 S 700 E, Suite 12511075 S. State Street, Building 3, Sandy, UT, 84070
  • Laser Lending is part of the parent company Larson Real Estate Services He started his career selling new home construction in 1993. Later, he started Larson & Company Real Estate which continues to thrive today. With a desire to offer his clientele a solid mortgage option, he created Laser Lending in 2009. To round out his real estate offerings.
  • American Loans
  • 8800 S Harrison St., Sandy, UT, 84070
  • American Loans and Mortgage, we are all about creating and finding solutions for anyone and everyone who needs a loan to reach their goals. and also the best rates and programs, and get you the best loan for your particular situation. We promise to provide you with the most comprehensive communication and the lowest mortgage rates.
  • Atlas Mortgage Solutions
  • 8899 S 700 E, Suite 125, Sandy, UT, 84070
  • Atlas Mortgage Solution offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers. We are constantly striving to keep our process streamlined and user friendly. We want all borrowers involved to feel informed and cared about every step of the way.
  • South Towne Mortgage
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  • South Towne Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
  • ALLIANCE LENDING SERVICES
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  • Alliance Lending Services (ALS) was founded on the belief that strategic planning and market knowledge are the foundation of the mortgage process. This belief has inspired a passion for delivering superior services that foster effective mortgage solutions. With over 20+ years of experience and knowledge in the mortgage industry.