In 2026, the USDA loan limit for Lake-Erie-Beach, located in Erie county, NY, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today's top rates between USDA and FHA. Assess the income, credit reserves, and documents required to qualify. Our advanced mortgage calculator shows the USDA, FHA, Conforming, and VA options, helping you choose the best program for your financial needs in .
Loan Limits and Downpayment Requirements in Lake-Erie-Beach, Erie, NY for 2026
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Lake-Erie-Beach, NY
The goal of Lendersa® is to secure the best USDA or FHA loan for you rapidly and effortlessly. Choose one of three starting pathways to find matches with lenders and access USDA loan programs.
The USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture. It is available only in rural neighborhoods. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans require no down payment, offering a significant advantage to eligible borrowers.
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3811 Lake Shore Road, Suite S, Blasdell, NY, 14219
Lends in New York
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