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.
At M&M Funding, we're committed to providing our clients with an experienced staff offering expertise in every area of mortgage lending... from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan.
InFirst Bank has a served the financial needs for local communities as an independent bank for 100 years. We have proudly remained headquartered in downtown Indiana since we opened in 1922. Originally chartered as a mutual institution, InFirst Bank was initially known as Indiana County Building & Loan Association.
Marion Center National Bank opened its doors during the summer of 1905. These one hundred plus years have seen many landmark events. When President Roosevelt ordered all banks to close on March 4, 1933 for the “Bank Holiday, ” MCNB pulled its door blind down half way and continued to operate.
We know why we’re here: to put you first. We do it by building long-term relationships with our customers and our employees. By reaching out to the communities we live and work in. By listening and helping to find the best solutions to get you to your financial goals.
Our success is built on creating an authentic community banking experience
Our mission is to be of service to others. We are committed to providing superior customer service to those that support our business, to continue to educate ourselves and share our knowledge with others & to build & maintain long lasting relationships.We are 100% owned & licensed to do business in PA and offer: USDA, FHA & conventional loans, VA.
We've been helping customers afford the home of their dreams for many years and we love what we do. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
The North Districts CU was chartered in 1942 to serve the needs of ten school districts that have merged into four districts. On July 10, 2001 we were granted a community charter by the Department of Banking and will now be known as North Districts Community Credit Union. We continue to maintain our growth, with assets of $37 million dollars.
Hard money loans are commercial loans made to real estate investors to purchase and rehab or repair investment properties.Often called rehab loans, these loans are short term and are based on the value of real estate that has been collateralized for the loan. Hard money lenders have higher interest rates
