USDA and FHA Pro and Con in Lewiston, Niagara County, NY
In 2025, the USDA loan limit for Lewiston, located in Niagara county, NY, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilizing the Lendersa® USDA loan calculator allows you to compare today's top USDA versus FHA rates and to ascertain the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a simultaneous view of USDA, FHA, Conforming, and VA options, assisting you in determining the best program for your financial situation in .
2025 Loan Limits and Downpayment Requirements in Lewiston, Niagara, NY
Type of 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 Lewiston, NY
The ambition of Lendersa® is to offer the most advantageous USDA or FHA loan swiftly and with minimal hassle. Choose from three starting options that connect you with suitable lenders and USDA programs.
A USDA home loan, backed by the Department of Agriculture and often regarded as a USDA rural development loan or USDA mortgage, is available only in rural communities. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.
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