USDA Vs. FHA Pro and Con comparison in North-Collins, Erie County, NY
In 2026, the USDA loan limit in North-Collins, county of Erie, NY, is set at $285,000, while the FHA limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to weigh today’s optimal USDA against FHA rates, exploring income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, aiding you in determining which program in is most suited to your financial needs.
2026 Loan Limits and Downpayment Requirements in North-Collins, County of Erie, 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 North-Collins, NY
The goal of Lendersa® is to help you secure the best possible USDA or FHA loan efficiently and without hassle. Choose from three approaches that connect you with matching lenders and USDA loan programs.
The USDA home loan, guaranteed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, is available solely in rural areas. Contrary to FHA loans that necessitate a minimum 3.5% down payment, the USDA mortgage requires no down payment.
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We are Mortgage Broker, an independent agent for both the mortgage loan applicant and the lender. We stand as facilitate between you and the lending institution. We can look at your financial situation to determine which lender is the right fit for your loan needs. In other words we help you shopping by comparing different rates from lenders.
