FHA VS Conventional loan programs in 2025 for 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.

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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


  • Greg Wade Mortgages
  • 21906 North 36TH Way, Phoenix, AZ, 85050
  • For me, lending is all about local relationships. I've lived in Arizona my entire life. I'm an active member of the communities where I've made a distinct impact. My mentality is ""Shop Locally"". Working with me means you'll be getting the attention and consideration that your mortgage requires.
  • Clear Choice Mortgage
  • 2550 E Rose Garden Lane, Phoenix, AZ, 85050
  • Our goal is simple: provide a level of service that exceeds expectations and deliver on time, every time. Period. From the very beginning, our approach focuses on integrity, honesty, knowledge and straight-forward communication, all of which create a solid foundation for developing lasting client and business partnerships.
  • Brightside Mortgage, LLC
  • 20860 North Tatum Boulevard, Suite 300, Phoenix, AZ, 85050
  • Brightside Mortgage, we are your partners in achieving your home-ownership dreams. Our number one priority is matching you with the best loan to achieve your goals. We are here to work on your behalf to make sure your experience is easier, more positive and more personal than our competitors
  • Expert Mortgage, LLC
  • 22007 North 36th Street, Phoenix, AZ, 85050
  • We're helping you take on perhaps the largest debt of your life. We feel that we have a professionally responsibility to help you manage that debt. Our role is to help you integrate this loan into your overall short and long term financial & investment goals while maximizing your tax objectives, cash flow and net worth. This takes an Expert.
  • ARIZONA WHOLESALE MORTGAGE INC
  • 3813 E Tracker Trl, Phoenix, AZ, 85050
  • Arizona Wholesale Mortgage Inc. prides ourselves on finding the best mortgage loans to match each and every client’s highly individualized needs. Although our home office is in Phoenix, we are licensed to provide mortgages throughout the Great State of Arizona. Regardless of your mortgage needs, be it purchase or refinance, Conventional, VA, Jumbo
  • American Financial Lending, Inc.
  • 20860 N. Tatum Blvd. # 160, Phoenix, AZ, 85050
  • At American Financial Lending, Inc., 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.
  • Union Home Lending LLC
  • 3536 West Hidden Mountain Court, Anthem, AZ, 85086
  • Union Home Lending LLC 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
  • Tri-Point Capital
  • 6424 E Greenway Pkwy #200-442, Scottsdale, AZ, 85254
  • Tri-Point Capital is a boutique lender offering Hard Money to experienced Investors for Residential Real Estate Acquisition, as well as Fix/Flip projects. Approval is based solely on the Real Estate and the experience of the Investor. First Deeds only. 6-12 Mos preferred - longer possible. Typical funding within 10 days. Draws disbursed within 24 h