In 2026, the USDA loan limit for Sardinia, located in Erie, NY, is $336,500, whereas the FHA limit for a single-family home stands at $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates. Determine the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage tool, view USDA, FHA, Conforming, and VA options side by side to decide the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to swiftly provide you with the best USDA or FHA loans, without hassle. Choose from three starting methods to connect with lenders and explore USDA loan programs.
A USDA home loan, backed by the Department of Agriculture—also known as a USDA rural development loan or mortgage—is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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