USDA Vs. FHA Pro and Con comparison in Lancaster, Erie County, NY
In 2026, the USDA loan limit for Lancaster in Erie county, NY, is $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.
With the Lendersa® USDA loan calculator, you can compare the best current rates between USDA and FHA options. It helps you determine the necessary income, credit scores, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator presents the USDA, FHA, Conforming, and VA programs side by side, assisting you in choosing the most suitable program for your financial scenario in .
2026 Loan Limits and Down Payment Requirements in Lancaster, Erie County, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Lancaster, NY
Lendersa® aims to help you secure the best USDA or FHA loan quickly and with no hassle involved. Begin by selecting one of three starting points to match with appropriate lenders for USDA loan programs.
USDA home loans are backed by the government Department of Agriculture, also known as USDA rural development loans. These are exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages require no down payment at all.
GEFCU was formed in 1931 as a financial cooperative to provide a way for its members to save money and obtain loans. We are the oldest credit union in Austin serving not only Travis County but also all of the counties that border Travis County. Over the years, our credit union has expanded beyond its roots of serving postal and federal employees.
11920 Alterra Parkway, Suite 136, Austin, TX, 78758
Capitol Credit Union (CCU) has been a beacon for members as together we navigated the swings in the economic cycles. Today, our credit union stands even better prepared to serve you in the pursuit of your dreams. For some members, Capitol Credit Union is a source of friendly prompt service from people who know you as a person.
Headquartered in Austin, Texas, United Heritage CU serves the greater Austin and Tyler areas through twelve branch locations including Manchaca, Slaughter, Georgetown, Lakeway, Kyle and Tyler. Membership is open to anyone that lives, works or attends school within Travis, Williamson, Bastrop, Caldwell, Hays, Smith and Wood county.
2800 Esperanza Crossing, Building 2, Austin, TX, 78758
Amplify Credit Union combines digital-first financial services with the emphasis on community you expect from your neighborhood credit union 1967 is a member-owned financial cooperative with more than 60, 000 members and almost $1 billion in assets. Our team lives and works in the communities we serve, making us the foremost experts.
3100 Esperanza Crossing, Suite 6254, Austin, TX, 78758
360 LENDING GROUP LLC IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE
Visio Financial Services Inc offers unique mortgage loans designed to meet the needs of investors purchasing single-family residences. Since our founding in 2011, we have originated more than 4,500 loans to investors nationwide, assisting investors in the redevelopment of houses into quality, affordable homes.
Santa Fe Federal Credit Union is a full-service credit union that is designed to meet all of your financial needs. Our roots are serving the BNSF railroad, but we have now made it possible for YOU to be a member too. From (really) free checking accounts to high interest rates on savings accounts and low interest on loans.
4501 First United Bank Parkway, Amarillo, TX, 79119
Roots run deep in West Texas for First United Bank. In fact, all our roots are right here. Since beginning in 1907 as The First State Bank of Dimmitt to First United Bank today, our business model has always been focused on West Texas communities, the people who live and work here and their distinct financial needs.
