USDA Vs. FHA your options comparison in Wheatfield, Niagara County, NY

In 2025, the USDA loan limit in Wheatfield, located in Niagara county, NY, is set at $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to contrast today's leading USDA and FHA rates, assessing the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program in based on your financial needs.

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2025 Loan Limits and Down Payment Requirements in Wheatfield, Niagara, 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 Opportunities in Wheatfield, NY

Lendersa® aims to quickly connect you with the best USDA or FHA loans without hassle. Choose from one of three initial paths that guide you to the most suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, backed by the government Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is only accessible in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans need no down payment.

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



  • Spada Loans
  • 12027 Paramount Boulevard, Downey, CA, 90242
  • SPADA, Italian for sword, epitomizes our strength, will, and ambition to cut down the time and money it takes to buy a property. It is recommended that you shop around with 3 or 4 lenders before you make a mortgage or loan decision. But with SPADA, we have partnerships with dozens of lenders and can do the shopping for you.
  • Pillar Financial Group
  • 8345 Firestone Boulevard, Suite 320, Downey, CA, 90242
  • Pillar Financial supports customers by providing Commercial and Residential lending solutions to help our customers reach their Real Estate goals you are in the research phase at the beginning of your refinancing or purchase search, And also founder of the Jonathan Calderon want to help you I am a real estate professional and finance specialist.
  • SAG-AFTRA FCU
  • PO Box 11419, Burbank, CA, 91510
  • Los Angeles AFTRA Federal Credit Union was founded in 1962 as a financial resource for members of the American Federation of Television & Radio Artists. From Coogan accounts to young performer & teen access accounts, auto and home loans, investments, retirement and estate planning, SAG-AFTRA FCU provides superior financial services to everyone
  • Get Assured Inc
  • 150 E. Olive Avenue, Burbank, CA, 91502
  • Get Assured Inc. is to guide you through the entire process of buying and selling, to make sure you understand every step of the transaction. We are absolutely committed to fulfilling your needs with the highest level of professionalism, expertise and service. Our commitment to your satisfaction is the foundation from which a solid business.
  • Pacific Financial Mortgage Group, Inc.
  • 113 W Linden Court, Burbank, CA, 91502
  • Pacific Financial Mortgage Group, Inc. was founded in 1982 in Los Angeles, California. We are a nationwide direct lender serving customers in 31 states and ranked among the nation’s top lenders. Our success comes from blending the lowest possible rates and fees with great customer service.
  • Capital City Industries, Inc.
  • 353 E Angeleno Ave, Suite A, Burbank, CA, 91502
  • "Strategic Estates Group is derived of agents who have proudly represented real estate excellence and professionalism in all of Southern California. Our newly gathered team, based out of Burbank in los Angeles County, is the first of many offices to be created of its kind. Our team structuring and strategic methods will have the home buying"
  • Affiliated Funding
  • 211 W Palms Ave, Burbank, CA, 91502
  • Affiliated Funding utilizes a proprietary real property financing collaboration system. Some components & functionality of this platform are protected by U.S. Patent 7, 769, 681 U.S. Patent 8, 117, 120, and U.S. Patent 8, 145, 563. By implementing this platform, Affiliated Funding has not only been able to streamline the real estate transaction pro
  • The Loan Guys Corporation
  • 113 W Linden Court, Burbank, CA, 91502
  • The Loan Guys is a mortgage company dedicated to providing people the benefit of getting the property of your dreams and save money on your mortgage. We will help you explore the best terms and conditions for your mortgage loan, supporting and advising you on your way. At The Loan Guys, you will simply learn about what it takes to get a mortgage.
  • Metric Mortgage Corp
  • 303 North Glenoaks Boulevard, Suite 200, Burbank, CA, 91502
  • Metric Mortgage Corp is licensed by the California Bureau of Real Estate and Metric Mortgage is focused on helping the customer with their home finance needs. We employ in house processing to make sure your transaction closes on time, and maintain strict protocols for customer information security. The customer is our #1 Priority.
  • lendingBridge, Inc.
  • 221 W Alameda Ave, Suite 204, Burbank, CA, 91502
  • lendingBridge™ exercises the progressive mentality of putting people before profit. The consumer experience and net outcome are what drives us every day. With this type of philosophy, we have found that it makes it easy for us to create a unified work objective and get everyone behind it