USDA and FHA Pro and Con in Pendleton, Niagara County, NY
As of 2025, the USDA loan limit for Pendleton, within Niagara, NY, is $336,500, whereas the FHA ceiling for single-family homes is $472,030.
Use the Lendersa® USDA loan calculator to contrast the top USDA and FHA rates available today. Determine the necessary income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans in parallel, aiding in choosing the right program for your situation in .
2025 Loan Limits and Down Payment Needs in Pendleton, Niagara, NY
Loan Type
Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
Explore USDA and FHA Loan Options in Pendleton, NY
Lendersa® aims to quickly connect you with the best USDA or FHA loan. Choose from three beginning paths that match you with lenders and USDA loan opportunities.
A USDA loan, backed by the Department of Agriculture and also called a USDA rural development loan, is limited to rural areas. Unlike FHA loans with a 3.5% down payment requirement, USDA mortgages require none.
Central National Bank was founded in Waco in 1977 as a “neighborhood bank." After two decades of growth and poised as Waco’s Leading Independent Bank, Central National Bank expanded into Temple and Austin to serve Central Texans along the I-35 corridor from Waco to Austin, with 40 years of service and approximately $1 billion in assets.
GENCO Federal Credit Union was originally created to meet the financial needs of employees of the General Tire and Rubber Company (Waco Plant) and their immediate families. GENCO's first office building was built in 1960 at 1905 Kendall Lane. GENCO's Board of Directors decided to purchase a building in the heart of the Waco business.
First Central Credit Union is a Financial Services company located in Central Texas, United States. We are a not-for-profit credit union meaning we pass along to you savings and funds from profits as less fees and better rates -- as we provide secure competitive financial services, Exceeding the needs of our members.
At The First National Bank of Central Texas, we see a true value in personal service. When you call our bank a knowledgeable banker will receive your call, no automated voice response system. We continually strive to embrace technology in order to improve convenience and efficiency, but we are conscious to not allow these technological tools.
Our loans are designed to help solve these surprises without creating another problem down the road. We want to make our loan fit within your available budget each month but we also stress the importance of paying down the principal on the loan as quickly as possible. Most loan companies want you to stay on the loan as long as possible.
At The McCulloch Team, we treat every customer as an individual, not a number. You won’t be placed into a loan profile created by the banking industry. We use common sense and will help you obtain the best home loan possible. We have a wide range of programs and together find the loan that’s best suited for you.
The Koehn Mortgage Group, we treat every customer as an individual, not a number and we don't place you into a loan profile, created by the banking industry. We will help you obtain the best home loan possible, for your particular situation. We have a wide range of programs and together we'll find the loan that's best suited for you
Woodforest National Bank® has successfully stood among the strongest community banks in the nation, proudly offering unsurpassed quality customer service since 1980. Woodforest National Bank offers both consumer and business products and services at more than 740 branches in 17 states across the United States.
Guarantee Mortgage is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time.
