USDA Vs. FHA Pro and Con comparison in Wilson, Niagara County, NY
For 2026, the USDA loan limit in Wilson, under Niagara county, NY, is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.
Make use of the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates and determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator facilitates a comparison across USDA, FHA, Conforming, and VA loans, helping decide the best option in for your specific financial conditions.
2026 Loan Limits and Downpayment Requirements in Wilson, 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 Choices in Wilson, NY
Lendersa® aims to secure you the optimal USDA or FHA loan swiftly and without hassle. Choose one of three starting approaches to connect with lenders and find suitable USDA loan programs.
A USDA home loan, also called a USDA rural development loan or mortgage, is backed by the Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment, offering a unique advantage.
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Weatherhead Federal Credit Union has been open since 1965. The credit union has assets totaling $16.08 Million and provides banking services to more than 2,000 members. Membership: 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
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405 Cochituate Road, Suite 204, Framingham, MA, 01701
OnTo Mortgage is headquartered in Massachusetts and was started by by two top loan originators with over 30 years of experience. Every lender touts great rates, product and service and while we have all of that, we also have a deep care for our clients. We understand that without clients, we have nothing.
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CAMC Federal Credit Union has been open since 1977. It's the 15th largest credit union in West Virginia with assets totaling $81.04 Million and providing banking services to more than 5, 000 members as of March 2022.
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Our credit union was chartered with the state of Ohio on October 17, 1954, when Fram Corporation (now Fram Group) banded together to help solidify their financial futures. Since then we have grown to over 3, 200 members with 37 different companies and people living or working within the county along with their family members.
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