USDA Vs. FHA Pro and Con comparison in Tonawanda, Erie County, NY

In 2025, the USDA loan limit in Tonawanda, county of Erie, NY is $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to weigh today's best USDA versus FHA rates and determine the income, credit, reserves, and documents needed for eligibility. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans to help you decide which program is most suitable for your financial situation in Alabama.

Browse loan offers from 100 lenders

Loan Limits and Down Payment Requirements in Tonawanda, Erie, NY for 2025

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conforming Conventional $726,200 3%

Choosing USDA and FHA Loans in Tonawanda, NY

The goal at Lendersa® is to swiftly provide you with the optimal USDA or FHA loan. Choose from one of three starting paths to connect with matching lenders and explore available USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is specifically for rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans require none, offering significant advantages for eligible buyers in rural areas.

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



  • Karpe Real Estate Center
  • 8501 Camino Media, Suite 400, Bakersfield, CA, 93311
  • Karpe Real Estate Center has been providing private money (hard money) and conventional mortgage loans as well as residential and commercial real estate for over 85 years. We offer a variety of services to assist you with all your real estate needs throughout California, our primary focus is in the Bakersfield, Kern County and Central Valley areas.
  • BOPTI Federal Credit Union
  • 1451 S. Seaside Ave, Terminal Island, CA, 90731
  • BOPTI Federal Credit Union is open to Bureau of Prisons employees and Commissioned Officers of the Public Health Service working at certain BOP facilities, and their immediate families. At BOPTI Federal Credit Union, we've adopted the philosophy of "Once a Member, Always a Member.
  • Imperial Real Estate
  • 1008 South Pacific Avenue, Suite 208, San Pedro, CA, 90731
  • Imperial Real Estate is a full-service independent real estate brokerage serving the South Bay from Long Beach to Manhattan Beach. Primary practice areas span residential, multifamily, and commercial real property sales and investments and also Mark Ehlers is the founding owner and Broker of Record of Imperial Real Estate.
  • Standard Mortgage, Inc.
  • 18757 Burbank Blvd, Suite 205, Tarzana, CA, 91356
  • We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.
  • United National Mortgage
  • 18321 Ventura Boulevard, Suite 300, Tarzana, CA, 91356
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • CalSun Mortgage
  • 18580 Ventura Blvd, Suite B, Tarzana, CA, 91356
  • "CalSun Mortgage was founded by Mitchell Lubinsky, it’s CEO and President. Mitchell is a real estate broker and licensed by CA DRE License 015025140, NMLS 353072. He has been in real estate and lending industry for more than 30 years. He is real estate mortgage expert and practitioner. And acquired a great deal of experience"
  • Whittaker Gregory Burton
  • 18606 Collins Street, Tarzana, CA, 91356
  • Whittaker Gregory Burton is a sole proprietorship based in Los Angeles California and owned by Gregory Whittaker. Gregory Whittaker is a licensed Real Estate Broker with the State of California BRE #00849532 and licensed through the NMLS# 1583645, NMLS# 1450202. I have been a licensed real estate professional for over 45 years working in sales,
  • Pioneers Home Loans
  • 19327 Ventura Blvd, Suite B, Tarzana, CA, 91356
  • Pioneers Home Loans will get your Conventional Loan approved today. Conventional loans are great for any type of home buyers. Our team of experts can get you the best loan with the best rate possible. Whether you have good credit or bad credit, let us know we will listen. Pioneers Home Loans are able to get you an affordable mortgage payment plan.
  • Cliver R. Galvez
  • 19013 Ventura Boulevard, Suite I, Tarzana, CA, 91356
  • Cliver R. Galvez is a Real Estate & Mortgage Services Residential and Commercial Mortgage Broker in California provided Mortgage Services Convetional Loans FHA Loans, Purchase and Refinancing, Hard Money , Commercial Lending available and also mortgage services real estate services
  • Integrity Financing, Inc
  • 19302 Collier Street, Tarzana, CA, 91356
  • Integrity Financing, Inc offer you 25 years of Knowledge, Experience, Professionalism and Integrity. My clients know me as a go getter, the one that gets the job done!! Not only done, but well done, efficiently and painlessly. In my many years in this business I have affiliated and partnered with the best banks and lenders around.