USDA and FHA Pro and Con in Sardinia, Erie County, NY

In 2025, 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 for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Sardinia, Erie, 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 Options in Sardinia, NY

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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

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?



  • Tiger Financial Services Inc
  • 2025 S. Arlington Heights Rd, Suite 118, Arlington Heights, IL, 60005
  • Tiger Financial Services, Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
  • TOWN & COUNTRY MORTGAGE SERVICES, INC.
  • 2340 S. Arlington Heights Rd, Suite 440, Arlington Heights, IL, 60005
  • "Established in 2003 as a partner company to Town & Country Realty. We originally started at the location in downtown Arlington Heights and in 2013 moved our office location to the corner of Arlington Heights Rd. and Algonquin. Town & Country Mortgage Services, Inc. provides the best combination of interest rates and closing costs,"
  • Veritas Mortgage LLC
  • 901 Lampton Street, Louisville, KY, 40204
  • Veritas Mortgage Company was established in the Spring of 2019 with the central focus being placed on achieving the objectives of the client in a collaborative and communicative way. Sounds simple, right…but far too often we encounter clients that have been underserved in the current lending marketplace. This is where Veritas steps in.
  • Evo Mortgage
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  • Evo Mortgage is a dynamic, residential mortgage broker with over 25 years of experience! Our Borrowers and Realtor Partners are our number one priority. Our family of Loan Officers and Loan Processors know the home buying process is much more than just the financing component. We understand the importance of communication with our Borrowers
  • Carolina Farm Credit
  • 146 Victory Lane, Statesville, NC, 28625
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  • Real Estate Resource Home Loans
  • 16530 106th Court, Orland Park, IL, 60467
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  • Pacific One Mortgage Inc
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  • Christopher Zabat is the father of the mortgage company he have always had a passion for Real Estate Finance. he remember getting very interested in it when we bought our very first home in May of 2000. My personal experience throughout the entire process made me so curious on how things were done.
  • River City Bank, Inc.
  • 500 South Sixth Street, Louisville, KY, 40202
  • At River City Bank, we pride ourselves on our hometown roots. Being a hometown bank means more than citing an address in Jefferson County, it means we are active members of this community. We live where you live, shop where you shop and support many of the same charitable organizations that you are a part of.
  • Capital Now Funding
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  • Capital Now Funding is a nationwide provider of pre-settlement legal funding.Founded in 2015 in Louisville, KY, Capital Now Funding focuses on providing the most transparent pre-settlement funding solution. We believe law firms & attorneys should be able to refer clients to a funding company without worrying about high interest rates.
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  • Weyco Community Credit Union
  • 316 NC Highway 149 N, Plymouth, NC, 27962
  • At Weyco Community Credit Union is to improve the standard of living and the financial well-being of our members. We have proudly been serving our members in Plymouth, North Carolina, and the surrounding communities since 1959. As a member of WCCU, you are part owner, and you have a say in how we operate.
  • Evergreen Bank Group
  • 1515 West 22nd Street, Suite 100W, Oak Brook, IL, 60523
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