USDA and FHA Pro and Con in Williamsville, Erie County, NY

In 2025, within Williamsville in Erie county, NY, the USDA loan limit reaches $336,500, while for a single-family home, the FHA limit is $472,030.

Compare today's top USDA versus FHA rates using the Lendersa® USDA loan calculator. Find out the income, credit, reserves, and documents needed to qualify. The advanced mortgage calculator provides side-by-side views of USDA, FHA, Conforming, and VA, helping you determine the best option in for your finances.

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2025 Loan Limits and Down Payment in Williamsville, Erie, 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 Williamsville, NY

The mission of Lendersa® is to quickly connect you with the best possible USDA or FHA loans. Choose from three initial options that link you to suitable lenders and USDA loan packages.

Lendersa USDA loan request and matching results

About USDA Loans in NY

A USDA loan is backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available only in rural areas. It requires no down payment, unlike FHA loans which need a minimum of 3.5%.

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



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