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

During 2025, in Rochester, which is part of Monroe county, NY, the limit for a Conventional loan is set at $726,200, contrasting with the FHA limit for a single-family residence that is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today's top rates among Conventional, FHA, and USDA options. This resource enables you to identify necessary income, credit score, financial reserves, and documentation to qualify. Our detailed mortgage calculator juxtaposes Conforming Conventional loans, USDA, FHA, and VA options, empowering you to choose the most suitable program in NY for your financial situation.

Examine and evaluate loan offers from 100 different lenders

2025 Loan Limits and Down Payment Requirements in Rochester, Monroe County, NY

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

Zip codes applicable to this comparison table: 14608, 14609, 14606, 14604, 14605, 14607, 14627, 14620, 14621, 14619, 14615, 14614, 14617, 14611, 14610, 14613, 14612, 14602, 14603, 14638, 14639, 14642, 14643, 14644, 14646, 14647, 14649, 14650, 14651, 14653

Explore Conventional and FHA Loan Strategies in Rochester, NY

Lendersa® is dedicated to securing the most beneficial Conventional, USDA, or FHA loans for you, swiftly and hassle-free. Opt for one of these three pathways to find matching lenders and loan packages.

Explore Lendersa USDA loan requests and results


  • The First National Bank of Jeanerette
  • 1331 Main Street, Jeanerette, LA, 70544
  • The First National Bank is committed to the families and businesses of our communities through tailored financial solutions, service and responsiveness. Finance your needs backed by the savings you've already established with us. Best of all, your savings remain intact, and incurring interest.
  • Southeast Mortgages
  • 3600 South State Road 7, Suite 228, Miramar, FL, 33023
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Professional Mortgage Lending Services
  • 500 S Federal Hwy, Suite 1273, Hallandale, FL, 33008
  • AT PROFESSIONAL MORTGAGE & FINANCING SERVICES we can help you obtain the best Mortgage Loan for you finding the adequate Lender in compliance to your needs. We works with multiple carriers to help Clients finding them the best MORTGAGE LOAN. Our staff of dedicated professionals will guide you through the entire process.
  • MORTGAGES R US INC
  • 6245 N. Federal Hwy #422, Fort Lauderdale, FL, 33008
  • Mortgages R Us Inc., 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.We have relationships with many lenders.
  • Spark Mortgage Advisors LLC
  • 520 S Dixie Hwy, Suite 215, Hallandale, FL, 33009
  • Spark Mortgage Advisors LLC Spark Mortgage, we are known for our superior customer service and quick turnaround time for any of your home financing needs. Our goal is to make the finance experience as enjoyable as possible Get your mortgage approval fast & easy with Spark Mortgage. We provide our customers with the best programs to finance.
  • RK Mortgage Group - Sunny Isles Beach
  • 800 SE 4th Ave Suite 139, Hallandale, FL, 33009
  • RK Mortgage Group is one of leading and innovative mortgage firms. We offer high-quality mortgage services to residential and business customers. Whether you’re a first-time home buyer or looking to refinance your existing mortgage, our competitive rates and flexible mortgage options can help you make the right mortgage decision.
  • Clear2Close Home Loans
  • 1001 N Federal Hwy #342, Hallandale, FL, 33009
  • Clear 2 Close Home Loans uses the very latest in online technology to provide you with the most competitive rates in the industry! We use a virtual platform to help keep our cost low and pass the savings onto the customer. As a home buyer, you will close faster and easier than ever before
  • RBI Mortgages
  • 1920 E Hallandale Beach Blvd, Suite 705 , Fl. United States, Hallandale, FL, 33009
  • RBI Mortgages is an investment property lender. The private lending division started in 2015 and has grown steadily ever since, funding hundreds of loans and providing exceptional service to all of our customers and RBI believes that transparency is a fundamental factor to achieve customer satisfaction.