USDA Vs. FHA your options comparison in Wellsville, Allegany County, NY
In 2026, the USDA loan ceiling in Wellsville, within Allegany county, NY, is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s leading USDA and FHA rates. Determine the necessary income, credit rating, reserves, and documentation to qualify. The advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side-by-side, helping you decide on the best program in for your financial situation.
2026 loan limits and down payment requirements in Wellsville, Allegany 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 selections in Wellsville, NY
The mission of Lendersa® is to provide the best USDA or FHA loan quickly and efficiently. Choose one of three starting methods, each leading to matching lenders and USDA loan programs.
The USDA home loan, endorsed by the government's Department of Agriculture—known as the USDA rural development loan or USDA mortgage—is available solely in rural zones. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage mandates no down payment at all.
The Alco Federal CU is a local financial institution, existing to provide personal financial services to its members. Like all credit unions, management is by a Board of Directors made up of persons democratically elected from its membership, by the membership. Membership is available to all persons who live, work, worship or attend school.
The Credit Union was established on February 24, 1936 as District #6 New York State Highway Employees and was located at 30 West Main Street in Hornell. Membership was primarily made up of NYS Department of Transportation employees that worked in Region 6 (Steuben, Allegany, Chemung, Schuyler and Yates Counties)
Olean Teachers and Postal County Federal Credit Union
1700 Constitution Avenue, Olean, NY, 14760
Lends in New York
The Olean Teachers and Postal Federal Credit Union was chartered in 1952. It is a not-for-profit financial institution owned and controlled by the members and is operated for your benefit through a Board of Directors elected by the members. The Board of Directors is the policy making and the governing body of the Credit Union.
Allegany First Federal Credit Union has been open since 1977. The credit union has assets totaling $21.28 Million and provides banking services to more than 2, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
The NCUA chartered the VAC Employees CU in 1949. Originally for the VA medical center. The Credit Union is now known as Steuben Citizens Federal Credit Union. Anyone who works, lives, or worships in Steuben County!! VA medical center. The Credit Union is now known as Steuben Citizens Federal
Tri county Federal Credit is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.
9823 Science Center Drive, Painted Post, NY, 14870
Lends in New York
ServU Federal Credit Union is a full service financial alternative to a bank. As a member owned financial cooperative, credit unions are not-for-profit. They function to serve their membership. As a result, credit unions are able to pay back higher dividends on savings and charge lower interest on loans. Money that is made by the credit union
