USDA Vs. FHA Pro and Con comparison in Niagara-Falls, Niagara County, NY
As of 2026, the USDA loan limit in Niagara-Falls, located in Niagara county, NY, is $285,000, whereas for a single-family dwelling, the FHA limit is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the top rates for USDA and FHA loans today. It helps you figure out the income, credit, reserves, and documents necessary for qualification. Our state-of-the-art mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the most appropriate program for your financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Niagara-Falls, Niagara County, NY
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Niagara-Falls, NY
Lendersa® aims to connect you with the best USDA or FHA loan options quickly and effortlessly. Choose from three different starting paths to match with lenders and access USDA loan programs.
USDA home loans are government-backed by the Department of Agriculture, also known as USDA rural development loans or USDA mortgages, solely available in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA mortgages require no down payment.
4000 MacArthur Blvd, Suite 300, Newport Beach, CA, 92660
Excelerate Capital has helped borrowers solve life decisions involving home mortgages both big and small. Weʼre proud that our clients look to us for practical solutions for their unique life situations. Excelerate Capital looks beyond a single score and broadens our search to include context and adaptability.
4695 MacArthur Court, Suite 950, Newport Beach, CA, 92660
"Let Taylor Morrison Home Funding help make your dream home a reality. In today's marketplace it is imperative to work with knowledgeable mortgage professionals. At Taylor Morrison Home Funding, we will be with you every step of the way.
Taylor Morrison's commitment to your financing is just as important as building your home."
4041 MacArthur Blvd, Suite 230, Newport Beach, CA, 92660
At Primary Partners Financial our approach to helping you choose a mortgage loan is considerably different than most lenders. We understand that your home purchase is one of the most significant “financial” commitments you’ll ever make - one that can lay the foundation for most of your future financial objectives. We believe that proper education
5000 Birch St, Suite 3000, Newport Beach, CA, 92660
Our mission is to revolutionize lending and realty services to enhance our clients' experience by meeting their needs with the utmost integrity and character. Residential Lending is of utmost importance in purchasing a home. iG has established a variety of loan programs to fulfill our clients diverse needs.
At Cal-Loans Direct, Inc. we understand that your life is complicated enough. Our financial experts are here to make buying your first home, investment property or refinancing, easier than ever. We will walk you through our simple loan process step-by-step and present you with the very best loan options for your needs.
Golden Capital Group is a private money lender located in California and Oregon. We are a direct residential and commercial lender that originates, underwrites and funds first and second mortgages secured against Real Estate. We conduct business in the states of California, Oregon and Washington.
20151 SW Birch St, Suite 200, Newport Beach, CA, 92660
Residential First Mortgage it has been our vision to build a business from repeat clients & client referrals, ultimately creating “clients for life”.Because we do not advertise, our reputation is essential. In order to build and maintain that reputation we enter into each transaction with the idea of building strong relationships with our clients.
4695 MacArthur Ct Ste 350, Newport Beach, CA, 92660
Inspire Home Loans Inc.is proud to be the affiliate lender of Century Communities,and exceptional service requires always doing the right thing for you, the customer Our customer-centered approach to home finance takes into account who you are, what you aspire to, and which mortgage programs will suit your financial goals.
4041 MacArthur Boulevard Suite 140, Newport Beach, CA, 92660
Nikols Mortgage Fund, LLC (the Fund) has attracted a loyal and sophisticated community of investors including prominent real estate executives, investment advisors, family trusts, family offices, self-directed IRAs, and investment LLCs. Many investors have previously made direct and active real estate investments,
4100 Newport Place Drive Ste. 255, Newport Beach, CA, 92660
Vision One Mortgage is a direct lender offering residential property financing. Our product offering includes conforming, high balance/jumbo, FHA, and super jumbo loans. We offer fixed and adjustable rate refinance and purchase loans at competitive rates and costs- including *no cost loans.
20250 SW Acacia Street, Suite 105, Newport Beach, CA, 92660
Commercial Loan Corporation is a professional private money lender. We have been lending in California since 2007. In addition to lending our own money on residential rehab projects in California, Commercial Loan Corp also originates loans to trusts and estates in probate. and also We can help you maximize the distribution for your trust or estate.
