USDA Vs. FHA your options comparison in Porter, Niagara County, NY
In 2026, the USDA loan limit for Porter, in the county of Niagara, NY, is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to contrast today's best USDA and FHA rates, determining the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator shows the USDA, FHA, Conforming, and VA programs side by side, aiding in your decision for the best-suited option in for your financial needs.
2026 Loan Limits and Down Payment Requirements in Porter, Niagara, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
Discover USDA and FHA Loan Options in Porter, NY
At Lendersa®, our goal is to swiftly and seamlessly connect you with the best USDA or FHA loan. Choose from three starting points to find lenders that match with USDA loan programs.
A USDA home loan, supported by the Department of Agriculture and often referred to as a USDA rural development loan or USDA mortgage, is solely accessible in rural regions. Unlike FHA loans which require a 3.5% minimum down payment, USDA mortgages require no down payment.
Peoples Trust Company was founded by an Act of the General Assembly of the State of Vermont on November 12, 1886. Since our inception, we have enjoyed a commitment to the Vermont tradition of service, quality and value. We believe that banking is about building relationships, making people’s lives easier, and helping folks realize their goals.
We provide a full range of services to meet your mortgage needs. Foxx Capital Funding Inc. is a New York State Registered Mortgage Broker with a large selection of programs. We have an excellent working relationship with many lenders, and have the knowledge to select the right program to fit the borrowers needs.
Our Bank has earned a reputation for serving the needs of our communities by emphasizing the importance of personal banking and by promoting local economic development. We employ a highly qualified and professional staff and offer a wide variety of products and services designed to meet the needs our customers
Montcalm Public Employees Credit Union We are a non-profit cooperative financial institution completely controlled and owned by the members who save, borrow and conduct other financial business here. Because we’re non-profit, you share in the earnings of the credit union through higher dividends on your savings and reduced rates on your loans.
AMERIMUTUAL has been successful in revolutionizing the industry one mortgage at a time. Our company values are grounded in the principles of honesty and fair dealing. For you, this means responsible lending with reasonable fees and you can enjoy a worry-free lending experience from a local Astoria, NY business you can trust.
BMI Federal Credit Union is a not-for-profit financial cooperative owned by its members. The mission of BMI FCU is to improve the financial lives of our members. We provide high quality financial services and products that are competitive, convenient, and responsive to member needs.
PhysicianLoans was founded in 1993. We offer a unique product The Doctor Loan, available only to medical doctors, dentists and veterinarians. Although we are a “brick & mortar” company based in Columbus, Ohio, PhysicianLoans is licensed in 18 states. As such, each of our Loan Officers holds all the appropriate licenses to conduct business.
1880 Mackenzie Drive, Suite 107, Columbus, OH, 43220
Joe Sauk has been Originating mortgage Loans since 1993. Sauk Mortgage licensed in both Ohio and Florida. Sauk Mortgage Group offers many mortgage programs including Conventional, Jumbo, FHA, and VA loans. Sauk Mortgage Group mission is to serve his customer with honesty, integrity.
81 Centre Avenue, Suite 214, New Rochelle, NY, 10801
Certus Capital is a real estate finance company based out of New Rochelle NY 10801. Our mission is to provide perfect service, lower rates and faster closings to our real estate customers and business owners. Services, NJ Department of Banking & Insurance, CT Department of Banking, FL Office of Financial Regulation.
