USDA Vs. FHA Pro and Con comparison in Wanakah, Erie County, NY
In 2025, the USDA loan threshold for Wanakah, located in Erie county, NY, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates, assessing the necessary income, credit, reserves, and documentation for qualification. With our detailed mortgage calculator, view USDA, FHA, Conforming, and VA loans side by side, assisting you in determining which program in aligns best with your financial needs.
2025 Loan Limits and Downpayment Requirements in Wanakah, Erie County, 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 Wanakah, NY
Lendersa® strives to secure the best possible USDA or FHA loan efficiently and without hassle. Select from three initial methods that result in connecting with lenders and accessing USDA loan programs tailored to your needs.
The USDA home loan, guaranteed by the government via the Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage. Available exclusively in rural neighborhoods, this loan differs from FHA loans, which require a minimum of 3.5% down payment, as the USDA mortgage demands no down payment at all.
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