USDA VS FHA 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.

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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?



  • Prodigy Home Loans
  • 1844 Atlantic Blvd, Jacksonville, FL, 32207
  • "Prodigy Home Loans has been serving the home loan needs of Florida home buyers since 1999, offering a full portfolio of mortgage lending options. Are you looking to purchase your first home? Have you found the home of your dreams? Or maybe you are considering refinancing or consolidating debt."
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  • 4190 Belfort Rd, Suite 475, Jacksonville, FL, 32216
  • Berkshire Hathaway HomeServices is a brand-new real estate brokerage network built for a new era in residential real estate. The brand, among the few organizations entrusted to use the world-renowned Berkshire Hathaway name, brings to the real estate market a definitive mark of stability, strength, quality and innovation.
  • Mortgages By Linda
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  • Linda has been in the mortgage business for 19+ years and is licensed with the NMLS (National Mortgage License System) for Florida. Living in the North Florida area since 1987 has given her a great understanding of the surrounding areas offering relevant and reliable information.
  • Abraham Mortgage LLC
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  • 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
  • American Lending Services Inc
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  • At American Lending Services Inc. your local Florida mortgage professional. As a licensed mortgage originator, my reputation is built on professionalism, integrity & the ability to keep transactions on track. I am dedicated to helping my clients obtain a mortgage that fits their specific financial goals. I am passionate about helping my clients,
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  • 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...
  • Sharp Mortgages, Inc
  • 8785 Perimeter Park Blvd., Jacksonville, FL, 32216
  • We are a full-service mortgage company based in Jacksonville, Florida. We specialize in first-time home buying in Jacksonville and Ponte Vedra. We also proudly serve greater Jacksonville, its surrounding cities and the following counties: Duval County, St. John's County, and Clay County.
  • Bayway Mortgage Group
  • 8833 Perimeter Park Blvd. Suite 402, Jacksonville, FL, 32216
  • Bayway Mortgage Group offers the strengths of a strong capital base and a committed business plan with a “down to earth” local consumer experience. We understand you’re making a commitment in us, you can be certain that we will do our utmost to handling all your mortgage needs giving you the confidence you need.
  • Valley Premier Bank
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  • Valley Premier Bank continues to be locally owned and operated by the same people in the same locations. Both offices offer traditional bank products, which include commercial, real estate and consumer loans, checking and savings accounts, certificates of deposit, safe deposit boxes
  • United National Bank
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  • UNB will meet with immediate success in serving the financial needs of a rapidly expanding community.We will work hard to earn the confidence and trust you have placed in us. We know our neighbors and we will offer more personalized and friendlier service in meeting all of your financial needs