USDA VS FHA in Springville, Erie County, NY

In 2026, the USDA loan limit for a single-family home in Springville, within Erie county, NY is $336,500, while the FHA limit is $472,030.

Use Lendersa®'s USDA loan calculator to compare today's top rates for USDA and FHA loans. Determine the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you choose which program best fits your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Springville, 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 Springville, NY

Lendersa® aims to provide the optimal USDA or FHA loan quickly and hassle-free. Choose one of the three paths below to connect with matching lenders and loan programs.

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Understanding USDA Loans in NY

A USDA home loan, backed by the government Department of Agriculture, is known as a USDA rural development loan or mortgage and is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment.

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



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