USDA and FHA Pro and Con in University-at-Buffalo, Erie County, NY

In 2025, the USDA loan limit in University-at-Buffalo, Erie county, NY, is $285,000, whereas a single-family home has an FHA limit of $356,362.

Use the Lendersa® USDA loan calculator to compare the top USDA and FHA rates today, and determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA programs side by side to help you select the best fit for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in University-at-Buffalo, Erie, NY

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Opportunities in University-at-Buffalo, NY

Lendersa® aims to connect you with the optimal USDA or FHA loan quickly and without hassle. Choose from three starting points to connect with lenders and discover USDA loan programs.

Lendersa USDA loan inquiries and matching results

What Constitutes a USDA Loan in NY?

A USDA home loan is insured by the U.S. Department of Agriculture, known also as the USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans, which mandate at least a 3.5% down payment, USDA loans require no down payment at all.

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



  • Compass Credit Union
  • 485 S State Street, Sparta, MI, 49345
  • At Compass, we are community servants; we are educators; we are foundry workers; we are volunteers working for the betterment of everyone; we are members, and we are committed to navigating our mutual financial journey together And while we may all come from diverse backgrounds, we take pride in our shared neighborhoods
  • ChoiceOne Bank
  • 109 E. Division, Sparta, MI, 49345
  • ChoiceOne Bank is a full service financial institution with offices in Kent, Ottawa, Muskegon and Newaygo Counties. ChoiceOne Bank offers insurance and investment products through its subsidiary, ChoiceOne Insurance Agencies, Inc. ChoiceOne Financial Services, Inc. is the holding company headquartered in Sparta, Michigan.
  • myCUmortgage
  • 3560 Pentagon Boulevard, Suite 301, Beavercreek, OH, 45431
  • myCUmortgage, a wholly-owned Credit Union Service Organization of Wright-Patt Credit Union in Beavercreek, Ohio, empowers credit union partners to be great mortgage lenders. Through exceptional leadership, comprehensive solutions, expert guidance and partner-focused service, myCUmortgage delivers peace of mind to credit union
  • Peoples Federal Credit Union
  • 419 First Avenue South, Nitro, WV, 25143
  • Peoples Federal Credit Union, charter number 16993, was founded in September of 1965 as the U.C. Institute Employees Federal Credit Union. The credit union was chartered to serve the employees of Union Carbide at Institute, West Virginia. The facility, at the time of the charter, employed in excess of 2, 500 individuals.
  • Pioneer Appalachia Federal Credit Union
  • 1316 Kanawha Boulevard East, Charleston, WV, 25301
  • Pioneer Appalachia Federal Credit Union was established in 1940 by a group of "pioneering" educators. They all shared a dream that one day the teachers of Kanawha County Schools would have an alternative to traditional banking. They would create a place that "members" could join and be founded on the principle of "people helping people.
  • Charleston FCU
  • 300 Virginia Street East, Room 4203, Charleston, WV, 25301
  • Charleston Federal Credit Union was chartered on April 3, 1959 for the Federal employees who work in or supervised from Kanawha Valley. Charleston Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership.
  • Element Federal Credit Union
  • 350 Capitol Street, Room 156, Charleston, WV, 25301
  • Element FCU is a local financial co-op based in Charleston, West Virginia. We provide some of the best financial services and member care in the country. If you're looking for a low stress, highly connected relationship with your financial institution, we should talk. Everyone has an element.
  • Pioneer Appalachia Federal Credit Union
  • 1316 Kanawha Blvd East, Charleston, WV, 25301
  • Pioneer West Virginia Federal Credit Union was established in 1940 by a group of "pioneering" educators. They all shared a dream that one day the teachers of Kanawha County Schools would have an alternative to traditional banking. They would create a place that "members" could join and be founded on the principle of people helping people.
  • The Religious Coalition for Community Renewal
  • 1117 Quarrier Street, Charleston, WV, 25301
  • The Religious Coalition for Community Renewal, established in 1987, is a 501(c)3 not for profit organization in Charleston, WV. The RCCR is a membership organization with over 30 religious interfaith congregations making up its membership. The RCCR is supported by an all volunteer board, and receives its funding from its members and trusts.
  • Victorian Finance, LLC
  • 1205 Virginia St East, Charleston, WV, 25301
  • Victorian Finance, LLC in 2003 to help Pittsburghers achieve the American Dream of home ownership. And he has expanded that achievement to a nationwide organization. The "Victorian Story" started when Sonny infused the principals of chemical engineering into the mortgage business. A former chemical engineer by trade