USDA VS FHA in Sloan, Erie County, NY

In 2026, the USDA loan limit for Sloan, Erie County, NY is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today’s best USDA and FHA rates, and to determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, observe side-by-side comparisons of USDA, FHA, Conforming, and VA loans to help decide which program in best suits your financial needs.

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2026 Loan Limits & Down Payment Requirements in Sloan, 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 Sloan, NY

Lendersa® aims to quickly secure the best USDA or FHA loan without any hassle. Start with one of three paths to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

The USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA mortgage requires no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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