USDA Vs. FHA Pro and Con comparison in Portland, Chautauqua County, NY
As of 2026, the USDA loan limit set in Portland, found in Chautauqua, NY, is $336,500. Meanwhile, the FHA limit for a single-family dwelling stands at $472,030.
Employ the Lendersa® USDA loan calculator to compare the best USDA versus FHA rates available today. It aids in determining the necessary income, credit, reserves, and paperwork required for qualification. With our comprehensive mortgage calculator, you can see USDA, FHA, Conforming, and VA loans compared side by side, helping you elect the best program in for your financial needs.
2026 Loan Limits & Down Payment Requirements in Portland, Chautauqua, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Alternatives in Portland, NY
At Lendersa®, our aim is to secure you the most favorable USDA or FHA loan quickly and with ease. You have three initial options to choose from, each connecting you with lenders and USDA loan opportunities.
The USDA home loan, backed by the U.S. Department of Agriculture—also called a USDA rural development loan or mortgage—is exclusively available in rural regions. Unlike FHA loans demanding a minimum of 3.5% down payment, USDA loans require no down payment whatsoever.
Today’s banking customers have come to expect convenient, advanced financial services. What you may not expect is truly personalized customer service from someone who takes time to understand your specific needs. At Citizens Bank & Trust, we believe you deserve both aspects in your banking relationship.
Courtesy First Home Lenders was incorporated on January 29th, 2004 for the purpose of providing our community with quality mortgage products and exemplary service. After spending 23 years in all areas of the financial services industry and additional 4 years specializing in mortgage originations I felt the time was right to open a local
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Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number, online banking website
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