In 2026, the USDA loan limit for Lackawanna, located in Erie, NY, is $336,500. Meanwhile, the FHA cap for a single-family home is $472,030.
Use Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates, determining the required income, credit, reserves, and documents for eligibility. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program for your financial needs in .
2026 Loan Limits and Down Payment in Lackawanna, 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 Lackawanna, NY
Lendersa® aims to connect you with the best USDA or FHA loans quickly and without any hassle. Choose one of three initial steps that guide you to matching lenders and the right USDA loan programs.
The USDA home loan, supported by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans require none.
3811 Lake Shore Road, Suite S, Blasdell, NY, 14219
Lends in New York
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