USDA and FHA Pro and Con in Pomfret, Chautauqua County, NY

In 2026, the USDA loan limit for Pomfret, within Chautauqua county, NY, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today’s USDA and FHA rates, assessing the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator lets you examine USDA, FHA, Conforming, and VA options side by side, helping you choose the best option for your financial situation in .

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2026 Loan Limits and Downpayment Specifications in Pomfret, Chautauqua, NY

Loan Type 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 Pomfret, NY

The goal of Lendersa® is to quickly connect you with the best USDA or FHA loans without hassle. Select one of three starting options to find suitable lenders and discover USDA loan programs.

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Understanding USDA Loans in NY

The USDA home loan, also called a USDA rural development loan or mortgage, is guaranteed by the government through the Department of Agriculture and is only available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Investor Direct Capital, Inc
  • 12707 High Bluff Dr #200, SAN DIEGO, CA, 92130
  • Investor Direct Capital, Inc. provides commercial, business purpose loans to investors of single and multi-family investment properties. Loans made my Investor Direct Capital, Inc. are for investment purposes only and not for owner-occupied properties. Loan product availability may be limited in certain states.
  • Trilion Capital
  • 12636 High Bluff Drive, Suite 400, SAN DIEGO, CA, 92130
  • Trilion Capital is one of California's leading private hard money lenders focused on providing short-term financing to a growing niche of residential fix & flip builders. The company provides loans to investors who purchase distressed residential property, add value through repairs and renovation, and then sell the rehabilitated homes for profit.
  • pacific residential mortgage corp
  • 522 N Cleveland St, Oceanside, CA, 92054
  • 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.
  • Pacific Coast Home Mortgage & Real Estate Inc
  • 2424 Vista Way, Suite 105, Oceanside, CA, 92054
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Home Mortgage Experts, Inc
  • 2103 South El Camino Real, Suite 108, Oceanside, CA, 92054
  • Home Mortgage Experts is dedicated to guiding our borrowers throughout the mortgage process, sorting through the numerous mortgage options available and helping them decide which is best. We take pride in having low overhead which allows us to pass savings onto our customers resulting in low priced, low cost mortgages.
  • North Coast Financial, Inc.
  • 2424 Vista Way #202, Oceanside, CA, 92054
  • North Coast Financial, Inc. is a San Diego hard money lender (private money lender) with over 30 years of hard money loan experience. We specialize in fix and flip loans / rehab loans, land loans, hard money purchase loans, construction loans, cash outs, hard money refinances and other various bridge loans.
  • PUD Federal Credit Union
  • 960 Commerce Avenue, Longview, WA, 98632
  • At PUD Federal Credit Union we know you have many great choices in our local area for your financial needs, and we’ll go the extra mile to earn your business. Unlike banks, we are a non-profit which means we return our profits to you, our member-owners, which means better rates, lower fees and special discounts.
  • Mint Valley Federal Credit Union
  • 3325 Washington Way, Longview, WA, 98632
  • Mint Valley Federal Credit Union will be a financial cooperative committed to providing quality financial services to its members. We will operate primarily within the region, but will service members beyond this area through their places of work, by phone, or by mail as required.
  • Lower Columbia Longshoremen's Federal Credit Union
  • 629 14th Avenue, Longview, WA, 98632
  • Lower Columbia Longshoremen's FCU exists to provide each member with personal, professional, convenient and competitive financial services. Once you join your family members are eligible, too. This includes grandparents, parents, spouses, siblings, grandchildren, and children, they can extend the membership opportunity to their family members, too.