USDA Loan Vs. FHA loan pro & con Lakewood, Chautauqua County, NY

In 2026, the USDA loan limit for Lakewood, situated within Chautauqua, NY, is $336,500, whereas the FHA limit for a single-family home stands at $472,030.

Utilize the Lendersa® USDA loan calculator to effectively compare today’s leading USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents for eligibility. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA loans side by side, helping you decide the best program in for your financial situation.

Options for USDA and FHA Loans in Lakewood, NY

The primary aim of Lendersa® is to swiftly provide you with the best USDA or FHA loans. Choose one of three ways to match with lenders and consider USDA loan programs.

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Understanding USDA Loans in NY

A USDA home loan, supported by the Department of Agriculture, is also known as a USDA rural development loan or mortgage and is offered only in rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, USDA mortgages do not require any down payment at all.

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Lakewood Lenders
(716) 665-7000 Lender's profile and map Southern Chautauqua Federal Credit Union 168 East Fairmount Avenue, Lakewood, NY, 14750 Lends in New York Mission Statement: Southern Chautauqua Federal Credit Union is committed to providing its members with the professional financial services they have come to expect. Vision Statement: Southern Chautauqua Federal Credit Union’s vision is to be a resource to the community by offering its members the best financial service and value….period.
(716) 483-1650 Lender's profile and map Jamestown Area Community FCU 915 East Second Street, Jamestown, NY, 14701 Lends in New York To provide a wide variety of financial services at the lowest possible cost to our members and to support the community and the Credit Unions in our area with the philosophy of: ""It's my credit union; it belongs to me."" When you walk into the credit union lobby, or call a loan officer
(716) 483-2798 Lender's profile and map Affinity One Federal Credit Union 545 East Second Street, Jamestown, NY, 14701 Lends in New York Affinity One Federal Credit Union has been open since 1948. The credit union has assets totaling $45.55 Million and provides banking services to more than 4, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
(716) 665-3799 Lender's profile and map Greater Chautauqua Federal Credit Union 51 East Main Street, Falconer, NY, 14733 Lends in New York Greater Chautauqua Federal Credit Union has been open since 1940. The credit union has assets totaling $89.32 Million and provides banking services to more than 10, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
(716) 326-3858 Lender's profile and map Inner Lakes Federal Credit Union 19-21 East Main Street, Westfield, NY, 14787 Lends in New York At Inner Lakes Federal Credit Union, each dollar of income is passed along to our members in the form of higher dividends on savings, lower interest on loans, or new and improved services. We are member owned and not-for-profit, we exist solely to serve our members and provide a smart alternative to profit-driven banks and other institutions.
(716) 673-3585 Lender's profile and map S.U.N.Y. Fredonia Federal Credit Union 280 Central Avenue, Fredonia, NY, 14063 Lends in New York SUNY Fredonia Federal Credit Union has been open since 1974. The credit union has assets totaling $45.16 Million and provides banking services to more than 3, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups