Explore the differences! FHA VS Conventional loan programs in Fairport, Monroe County, New York

In the year 2026, the limit for conventional loans in Fairport, within Monroe county, NY, is set at $726,200. For single-family homes, the FHA loan limit is established at $472,030.

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Leverage the Lendersa® Conventional loan calculator to compare today's best rates among Conventional, FHA, and USDA loans. Determine your eligibility based on income, credit, reserves, and necessary documentation. Our advanced mortgage calculator places Conforming Conventional, USDA, FHA, and VA loans side by side, helping you to select the most fitting program in NY for your financial scenario.

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Details of 2026 Loan Limits and Downpayment Requirements in Fairport, Monroe county, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table applies to the following zip codes: 14450

Explore Conventional and FHA Loan Options in Fairport, NY

The purpose of Lendersa® is to swiftly and easily connect you to the most appropriate Conventional, USDA, or FHA loan options available. Choose one of three initiation points that offer a selection of matching lenders and relevant loan programs.

  1. Make a comprehensive loan request focusing on Conventional, USDA, and FHA optimization
  2. Assess Conventional, USDA, and FHA rates & terms initially
  3. Dive into the largest directory of Conventional lenders
Lendersa's results on USDA loan request matching



  • Cal Pro Real Estate & Loans
  • 3130 Crow Canyon Pl, Suite 270, San Ramon, CA, 94583

  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • CAPITAL MORTGAGE GROUP
  • 2400 Camino Ramon, Suite 129, San Ramon, CA, 94583

  • As a licensed mortgage broker in California, our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide residential / commercial mortgage loans to our clients while providing them with the lowest interest rates and closing costs possible.

  • Jason Brown - Preferred Mortgage Inc.
  • 2600 Old Crow Canyon Rd, Suite 201, San Ramon, CA, 94583

  • A key advocate for the local schools, Jason Brown shares his success in business with the youth of today. With over 25 years of experience in the mortgage business Jason created a nonprofit, SaveCASchools.org, which focuses on donating money to schools to help them better assist students in San Ramon Valley.

  • Venstar Financial
  • 2603 Camino Ramon, Suite 417, San Ramon, CA, 94583

  • At Venstar Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • CNA Equity Group, Inc.
  • 2410 Camino Ramon, Suite 324, San Ramon, CA, 94583

  • CNA Equity Group is a locally owned full-service mortgage brokerage company serving Northern and Central California since 2008. Our boutique firm offers personalized service while remaining more nimble and flexible than big banks. We work with over 30 of the world’s most renowned mortgage platforms which allows our experienced team.

  • New National Mortgage
  • 2010 Crow Canyon Place, Suite 100, San Ramon, CA, 94583

  • New National Mortgage is an independent mortgage broker located in the Bay Area and licensed to do business in the state of CA. We have been in business for over a decade and funded millions of dollars. We have helped thousands of people move into their dream homes, expand their investments or businesses.

  • Golden Pacific Home Loans, Inc.
  • 2333 San Ramon Valley Boulevard, Suite 195, San Ramon, CA, 94583

  • Golden Pacific Home Loans As experienced mortgage broker, we believe that the process of obtaining a mortgage or home loans should be streamlined. Golden Pacific Home Loans agents in San Ramon are experts, and our knowledge, experience, and network of options, lenders and resources allows us to design programs to meet your needs.

  • Quality Choice Funding
  • 2675 Twin Creeks Drive, San Ramon, CA, 94583

  • Quality Choice Funding was established in 2006. The founder, David Hanks, left scientific computing and started his mortgage career in 2001. We specialize in residential mortgages, whether purchase or refinance, including jumbo, conventional, FHA, VA and reverse mortgages (HECM).

  • Apex Mortgage Solutions
  • 2333 San Ramon Valley Blvd, Suite 150, San Ramon, CA, 94583

  • "Apex Mortgage Solutions is full service Mortgage Broker loacated in San Ramon, California.

    As an affiliate partner, Apex enjoys all of the advantages of being a full service mortgage broker, like consistency and control of the transaction. Our in-house team is dedicated to providing priority service so we can deliver"

  • Cal Pro Real Estate & Loans, Inc.
  • 3130 Crow Canyon Place, Suite 270, San Ramon, CA, 94583

  • We specialize in home lending! From conventional to Jumbo, FHA to VA and all that lies in between, we are can pair you with the best mortgage for your needs. Seasoned with years of experience and access to over 40 different lending channels, we have the right loan for your purchases, refinance or cash-out needs.

  • Preferred Financial
  • 11 Crow Canyon Court, Suite 100, San Ramon, CA, 94583

  • We've helped thousands of people get the financial assistance they need — from loans, mortgages, insurance, to general financial advisement. You are Preferred Financial; with you, we are powerful. We have been serving clients since 1979 and specialize in providing true no cost loans. We are partnered with 20+ different lenders,

  • Freedomstar Financial Inc
  • 111 Deerwood Road, Suite 200, San Ramon, CA, 94583

  • Freedomstar Financial specializes in Reverse Mortgage Loans and VA Mortgage Loans. In 2015 Freedomstar Incorporated in California and expanded it's offerings to include Reverse Mortgages. Freedomstar's owner Ivan started in the mortgage industry in 2002 helping his first Veteran to refinance his military mortgage.
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