FHA VS Conventional loan programs in 2026 for Wheatland, Monroe County, New York
As of 2026, the Conventional loan limit in Wheatland, Monroe county, NY is set at $726,200, with the FHA limit being $472,030 for single-family residences.
Utilize the Lendersa® Conventional loan calculator to explore and compare the top rates for Conventional, FHA, and USDA loans you qualify for today. Determine necessary income, credit standing, reserves, and documentation needed. This state-of-the-art mortgage calculator positions Conforming Conventional loans, USDA, FHA, and VA products side by side, assisting you in selecting the most appropriate program for your financial needs in NY.
Loan Limits and Down Payment Requirements for 2026 in Wheatland, 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 is applicable to these zip codes: 14428
Options for Conventional and FHA Loans in Wheatland, NY
Lendersa® aims to provide you with the best Conventional, USDA, or FHA loan option swiftly and efficiently. Begin by selecting one of three pathways to discover lenders and suitable loan programs that match your needs.
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.
In 1964, seven teachers in the Gates Chili school district started the credit union, originally named Gates Chili School District Federal Credit Union. The Gates Chili Federal Credit Union is a full-service, financial cooperative that offers a broad range of financial products and services to our members.
The Spencerport Federal Credit Union was founded in 1962 by a small group of members, and it has grown each year, continually improving its services, through the dedication and volunteer work of many of its members. Originally founded to serve the employees of the Spencerport School District, SFCU was granted a small Community Charter in 2006.
LeRoy Federal Credit Union has been open since 1958. The credit union has assets totaling $18.46 Million and provides banking services to more than 2, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
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.
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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.
