In 2025, the USDA loan limit in Niagara, Niagara county, NY, is $336,500, whereas for a single-family home, the FHA limit stands at $472,030.
Utilize the Lendersa® USDA loan calculator to examine today's top USDA vs. FHA rates. This tool helps you determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the most suitable program in for your financial situation.
2025 Loan Limits and Downpayment Requirements in Niagara, Niagara, 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 Niagara, NY
The aim of Lendersa® is to swiftly connect you with the best USDA or FHA loans, effortlessly. Choose one of three initial approaches to match with lenders and explore USDA loan programs.
The USDA home loan, funded by the Department of Agriculture, is also called a USDA rural development loan or USDA mortgage, designed for rural areas specifically. In contrast with FHA loans, which require a minimum 3.5% down payment, the USDA mortgage does not necessitate any down payment at all.
Tompkins Lending is a mortgage broker / direct lender serving Greater Rochester and Monroe County. Tompkins Lending is spearheaded by Tim Tompkins, the sole decision maker, and is typically able to provide a fast answer without an appraisal or engineer’s inspection, saving our clients time and money.
ESL Federal Credit Union serves as a full-service financial institution to more than 384, 000 members and 13, 200 businesses. The company provides personal, business banking, mortgage services and wealth management services through its locally-based 23 branch network, telephone, mobile, online and live chat center.
Ukrainian Federal Credit Union is insured by the National Credit Union Administration and offers personal and business financial services including savings and checking accounts, share certificates, loans, mortgages, VISA credit and debit cards, wire transfers, and online and mobile banking.
At HAUS Capital, we understand that everyone’s situation is unique. Our flexible and innovative mortgage products allow us to tailor a mortgage solution customized for you and your family.Sam DiPiano, President and CEO of HAUS Capital Corporation has been in the Mortgage industry since the early 2000s.
Normandy's financial strength along with common sense decision making, allows for a flexible and stream-lined loan process, resulting in quality service and an experience that benefits Normandy's customers.
We offer a full line of Mortgage Loan Products specializing in residential and commercial construction loans. We have funded over $800 Milli
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.
Rochester & Monroe County Employees Federal Credit Union
460 N Goodman Street, Rochester, NY, 14609
Get the most out of your membership with Rochester & Monroe County Federal Credit Union. With a full range of financial products and services, our goal is to help make banking easy for our members so they can meet their goals. Members are eligible for a range of services to make banking, investing, and lending easier than ever.
Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
