FHA VS Conventional loan programs in Rochester, Monroe County, New York
During 2026, 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.
2026 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
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.
Tompkins Lending is a mortgage broker / direct lender serving Greater Rochester and Monroe County. Tompkins Lending is spearheaded by Tim Tompkins, the sole decision maker, and is typically able to provide a fast answer without an appraisal or engineer’s inspection, saving our clients time and money.
ESL Federal Credit Union serves as a full-service financial institution to more than 384, 000 members and 13, 200 businesses. The company provides personal, business banking, mortgage services and wealth management services through its locally-based 23 branch network, telephone, mobile, online and live chat center.
Genesee Co-op Federal Credit Union provides a broad range of affordable, quality services to increase the financial skills and wealth of our member-owners. We are responsive to the needs of our community. We are committed to social inclusiveness. We are dedicated to responsible community development and education.
At HAUS Capital, we understand that everyone’s situation is unique. Our flexible and innovative mortgage products allow us to tailor a mortgage solution customized for you and your family.Sam DiPiano, President and CEO of HAUS Capital Corporation has been in the Mortgage industry since the early 2000s.
Ukrainian Federal Credit Union is insured by the National Credit Union Administration and offers personal and business financial services including savings and checking accounts, share certificates, loans, mortgages, VISA credit and debit cards, wire transfers, and online and mobile banking.
Rochester & Monroe County Employees Federal Credit Union
460 N Goodman Street, Rochester, NY, 14609
Lends in New York
Get the most out of your membership with Rochester & Monroe County Federal Credit Union. With a full range of financial products and services, our goal is to help make banking easy for our members so they can meet their goals. Members are eligible for a range of services to make banking, investing, and lending easier than ever.
At Ever $ Green Federal Credit Union, we strive to provide a full range of services to meet the complete financial needs of our members. Our decisions are based on what is best for our membership, not what is best for the bottom line. Ever $ Green Federal Credit Union has been open since 1968.
The Summit has one of the highest employee retention rates in the industry. It truly cares about its employees, helping them to achieve their personal and professional goals. At The Summit, we are committed to creating an inclusive professional environment where individual differences are respected and valued.
St. Pius X Church Federal Credit Union has been open since 1967. The credit union has assets totaling $94.07 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
