FHA VS Conventional loan programs in East-Rochester, Monroe County, New York

As of 2026, the conventional loan limit for a single-family home in East-Rochester, within Monroe county, NY, is $647,200. Meanwhile, the FHA limit is $420,680.

Leverage the Lendersa® Conventional loan calculator to compare the most competitive rates today for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator presents side-by-side views of Conforming Conventional loans with USDA, FHA, and VA options, guiding you to choose the best program in NY for your financial needs.

Explore offers from a network of 100 lenders

2026 Loan Limits and Down Payment Requirements in East-Rochester, Monroe, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table applies to zip codes: 14445

Conventional and FHA Loan Options in East-Rochester, NY

The Lendersa® mission is to secure the best possible Conventional, USDA, or FHA loans swiftly and without hassle. Select one of three pathways to connect with matching lenders and programs.

Find USDA loan request results with Lendersa


  • mrmortgage.us
  • 4380 Bonita Rd, Bonita, CA, 91902
  • At MrMortgage.US. We are a full-service mortgage company based in Bonita, CA. We specialize in VA, Conventional, FHA and USDA loans, Purchase & Refinancing in California statewide. We also serve the surrounding cities in San Diego County. Whether you are buying a home or refinancing, we will protect your bottom line.

  • Sam Calvano Home Loans
  • 4386 Bonita Rd, Bonita, CA, 91902
  • At Sam Calvano Home Loans our people make the difference from the application to the final approval. Technology meets superior service to provide progressive and personalized loan programs. Our goal is to make the loan process brief and pleasant. A highly experienced and well respected businessman Sam Calvano has built his reputation on results.

  • eMortgage Lending, Inc.
  • 4380 Bonita Rd, Bonita, CA, 91902
  • eMortgage Lending, Inc. has built a strong reputation as an outstanding mortgage banker, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state of California.We’re a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending.

  • Express Funding Mortgage Co.
  • 1237 Camino, Suite I, Del Mar, CA, 92014
  • Express Funding Mortgage Company was founded in 1998 by Brad Shoemaker with the goal of becoming the San Diego mortgage broker of choice for local San Diegans. Express Funding Mortgage specializes in residential mortgage financing to homeowners and buyers anywhere in California. We offer some of the lowest conforming.

  • Avant Capital Solutions
  • 1011 Camino, Suite 214, Del Mar, CA, 92014
  • We will find a loan that fits each borrower. Unlike big banks that have “order takers” helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available and their loan programs are one size fits all.

  • Trinity Mortgage
  • 11622 El Camino Real, Suite 100, San Diego, CA, 92130
  • As a full service real estate and mortgage brokerage in the San Diego, LA, and Riverside counties, we are dedicated to providing our clients with the finest customer service available. Trinity Real Estate Services and Trinity Mortgage is built on a foundation of integrity and a heart for the homeowner! We pride ourselves on helping borrowers.

  • Saxton Mortgage, LLC
  • 12636 High Bluff Drive, Suite 400, San Diego, CA, 92130
  • In 2018, Saxton Mortgage, LLC was founded by Trent J. Ford, in San Diego, CA. Saxton Mortgage is a full-service mortgage lender specializing in providing exceptional customer service to satisfy all your mortgage financing needs. Our Team is committed to delivering the highest level of customer service to our clients to find the best option

  • MyPrimeHomeLoan.com, LLC
  • 11622 El Camino Real, Suite 100, San Diego, CA, 92130
  • "We pride ourselves in creating CLIENTS FOR LIFE and we're ALWAYS here for you!
    We are a full service, local mortgage firm. It's our mission to provide our customers with the most efficient and professional service in our area. We also take pride in providing support for all of your needs throughout your time as our client."

  • Trustin Mortgage Corporation
  • 4070 Lago Di Grata Circle, San Diego, CA, 92130
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.

  • Statewide Home Loan Corporation
  • 3877 Pell Place, Suite 402, San Diego, CA, 92130
  • At Statewide Home Loan Corporation we strive to make you a Client for life. We want to be your first choice each and every time you need a real estate financing. We always try to go above and beyond for you so that you will always feel confident referring your family, friends, and associates to us for their mortgage financing needs.

  • Integras Home Loans
  • 11622 El Camino Real, Suite 100, San Diego, CA, 92130
  • Integras Home Loans is part of the BR Financial Solutions, INC family of companies established in 2003 with the mission of creating extraordinary mortgage solutions for property owners of California. That mission continues to be a driving force through today. We have always sought out the nation's most creative and responsible lenders.