USDA VS FHA in Holland, Erie County, NY

In 2026, the USDA loan limit in Holland, Erie County, NY, is $336,500, while the FHA limit for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to assess today’s leading USDA and FHA rates. Calculate the income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side by side to decide which program in best meets your financial needs.

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2026 Loan Limits and Downpayment Requirements in Holland, Erie, NY

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

USDA and FHA Loan Options in Holland, NY

Lendersa® aims to secure for you the best USDA or FHA loan promptly and without hassle. Pick one of three starting strategies to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Explaining the USDA Loan in NY

The USDA home loan, supported by the Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage. It is specifically available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage requires no down payment.

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



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