For 2026, the USDA loan limit in Yorkshire within Cattaraugus county, NY, is $336,500, while the FHA ceiling for a single-family home is $472,030.
Utilize Lendersa® USDA loan calculator to evaluate the optimal USDA versus FHA rates currently available. Assess the necessary income, credit, reserves, and documentation required for eligibility. Our sophisticated mortgage calculator puts USDA, FHA, Conforming, and VA options side-by-side, enabling you to decide on the best program tailored to your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to swiftly obtain the best USDA or FHA loan for you, without hassle. Begin with one of three initial starting points that match you with lenders and USDA loan offerings.
The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the government Department of Agriculture. It is available only in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans allow for no down payment, offering a substantial advantage to eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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