USDA and FHA Pro and Con in Shelby, Orleans County, NY
In 2026, the USDA loan limit for Shelby, situated in Orleans county, NY, is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.
Take advantage of the Lendersa® USDA loan calculator to contrast today's USDA and FHA rates. Determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Shelby, Orleans County, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Shelby, NY
Lendersa® aims to connect you with the best possible USDA or FHA loans quickly and effortlessly. Choose one of three starting points to find matching lenders and USDA loan programs.
A USDA home loan is backed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans that need at least a 3.5% down payment, the USDA mortgage requires no down payment.
Lockport Schools Federal Credit Union, chartered in 1966, is a member-owned, not-for-profit organization whose objective is to meet the financial needs of our members through professional, courteous service with a personal touch. We take great pride in helping our members get the best value for their dollar.
Cornerstone is a credit union/financial cooperative that has been serving Western New York since 1957. We began as Unit No. 1 Federal Credit Union, serving the employees of Harrison Radiator Division of General Motors. Anyone who lives, works, worships, goes to school or volunteers in Niagara or Erie County can join our credit union.
Akron Employees Federal Credit Union Our mission is to provide personal financial services of a superior quality to the members; our chief concern being their financial well-being. We will use automation and technology to support a highly trained group of volunteers and staff.Professional managers will be accountable for the quality of service
Founded over 50 years ago, Ontario Shores FCU remains locally committed to serving the counties of Niagara, Orleans, Genesee, Wyoming, Cattaraugus, Allegany, and Steuben. We’re big enough to offer just about any service you may want, and we’re small enough to deliver it promptly and with a smile.
656 North French Road, Suite 7, Amherst, NY, 14228
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Williamsville Federal Credit Union to serve our member’s by providing convenience, exceptional service with advanced products. Williamsville Central School District Employees have an opportunity to become a member of the Williamsville FCU It is a not-for-profit financial institution owned and controlled by the members and is operated for your benef
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We are a full service not for profit financial institution. Your success is our success with people helping people A credit union is a not-for-profit financial cooperative, owned by its members. Yes, Boulevard Federal Credit Union offers loans, checking and savings accounts, and other financial services that banks offer. But we're quite different f
1416 Sweet Home Road, Suite 9B, Great Neck, NY, 14228
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Queen City Funding, Inc., a professional mortgage company specializing in residential mortgages. At Queen City Funding, Inc., we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled and trained loan consultants.
Amherst Teacher’s Federal Credit Union, membership was comprised of employees from our original 46 sponsor groups and their families. For a list of original sponsors, click here. With the addition of new, non-education based sponsor groups in 2003, Amherst Teacher’s FCU modified its name to what we continue as today; Amherst Federal Credit Union.
