FHA VS Conventional loan programs in Perinton, Monroe County, New York

As of 2026, the Conventional loan ceiling in Perinton, located within Monroe county, NY, is set at $726,200. The FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® Conventional loan calculator to weigh today's top Conventional, FHA, and USDA rates and assess the necessary income, credit, reserves, and documentation for qualification. This comprehensive mortgage calculator allows you to compare Conforming Conventional loans, USDA, FHA, and VA side by side, aiding you in selecting the most favorable program in NY for your unique financial circumstances.

Explore loan offers from a network of 100 lenders

2026 loan limits and down payment requirements for Perinton, Monroe county, NY

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

The above comparison applies to zip codes: 14534

Perinton, NY: Exploring Conventional and FHA Lending Options

At Lendersa®, our mission is to provide you with the best Conventional, USDA, or FHA loan swiftly and with minimal stress. Start with one of three options to find matching lenders and loan programs tailored to you.

Lendersa's USDA loan request and matching outcomes


  • Omni Mortgage Corporation
  • 801 E Morehead St, Suite 100, Charlotte, NC, 28202
  • Omni Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • PrimeLine Capital Inc
  • 128 South Tryon Street, Suite 20-104, Charlotte, NC, 28202
  • Primeline Capital is dedicated to helping all our clients find the best rates and guide you throughout the entirety of your financing journey. We help each client reap the rewards of finding the perfect lending solution. Primeline Capital offers a vast network of options paired with local experience and educated guides to match you.

  • Loan Pronto Inc
  • 800 West Hill St, Suite 300, Charlotte, NC, 28202
  • Loan Pronto because we wanted to make refinancing or purchasing your home as easy as it should be. By leveraging the speed and efficiency of digital platforms, we make getting a loan faster, less expensive, and less invasive, without sacrificing the personal service that helps put your concerns at ease.

  • BlackHawk Mortgage LLC
  • 615 South College Street, Suite 09, Charlotte, NC, 28202
  • BlackHawk Mortgage is a Veteran owned company founded to provide an easier way to obtain home ownership. We are located in Charlotte, NC, we pride ourselves on client satisfaction and a stress free process. The key to our early on success has been a combination of consistently offering the lowest possible rates.

  • Lendexa Mortgage LLC
  • 227 W 4th Street, Office 123, Charlotte, NC, 28202
  • Lendexa Mortgage LLC is a Mortgage Broker and not empowered to lend. All loans are arranged through third party lenders. LENDEXA MORTGAGE LLC is in the Mortgage Bankers and Loan Correspondents industry in Charlotte, North Carolina. This company currently has approximately 1 to 5 employees.

  • Terre Haute Savings Bank
  • 533 Ohio Street, Terre Haute, IN, 47807
  • Terre Haute Savings Bank operates as a full-service bank. The bank offers saving accounts, loans, mortgage, and wealth management facilities. Terre Haute Savings Bank serves customers in the State of Indiana. Count on The Hometown Savings Bank to provide practical, expert advice to help you navigate the complex and often emotional decisions.

  • Grundy Bank
  • 201 Liberty Street, Morris, IL, 60450
  • Captain Sam Hull built his frame grocery store and 2nd floor residence in 1847. It had other tenants, but was moved to make way for the bank in 1867.
    Mrs. Atwater & N.C. Pettey built the present 3 storefront 2 story brick building in 1867.

    The bank was on the corner with the Widney & Viner Hardware next south

  • Morris Building & Loan
  • 211 E Jefferson St, Morris, IL, 60450
  • Morris Building and Loan is a branch of First Secure Community Bank that serves residents of Morris and the surrounding areas. We offer a full range of personal and business banking products. We have been proud to serve the Morris area for more than 100 years.

    Member FDIC. Equal Housing Lender.

  • Premier Community Bank
  • 108 Railroad Avenue, Bear Creek, WI, 54922
  • Our vision is how the world looks when the issues important to us are completely, perfectly addressed. Premier’s integrated financial solutions unlock the potential of our trusted partners’ dreams. Our team’s success is ultimately rooted in listening and our willingness to serve.

  • Carolinas Telco Federal Credit Union
  • 2821 Crisman Street, Charlotte, NC, 28208
  • Carolinas Telco Federal Credit Union (CTFCU) has been serving members across the Carolinas since 1934. We offer credit union services to the following groups: Those employed with or retired from one of our current preferred business partners. Members of the NC Consumers Council (NCCC) or other approved association.

  • Nova Credit Union
  • 3601 Mulberry Church Rd, Charlotte, NC, 28208
  • Nova Credit Union provides low cost personal financial services including Secure Checking, mobile banking (eBranch), auto loans, home loans and savings & investment accounts. Members may access their accounts at and 30, 000 ATMs and 5, 000 branches in the USA through the Shared CO-OP Network and five local branches in NC.

  • Charlotte Metro Credit Union
  • 718 Central Avenue, Charlotte, NC, 28204
  • At Charlotte Metro, our mission is simple – helping members prosper. Not some members – ALL members!

    What you really want to know is can we handle your banking needs? Of course! We're your partner for financial growth and management, making your money work harder for you with smarter, less complicated, and readily available tools and services.