USDA Vs. FHA your options comparison in Chili, Monroe County, NY
In 2026, the loan limit for USDA within Chili, in the county of Monroe, NY, is set at $336,500, whereas the FHA limit for a single-family dwelling is $472,030.
Make use of the Lendersa® USDA loan calculator to weigh today's USDA against the FHA best rates and to establish the necessary income, credit, reserves, and required documents for qualification. By using our advanced mortgage calculator, you'll have the ability to compare the USDA, FHA, Conforming, and VA loans concurrently, aiding you in making an informed decision about which program in suits your financial needs best.
2026 Loan Limits and Down Payment Requirements in Chili, Monroe, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Examining USDA and FHA Loan Options in Chili, NY
The mission of Lendersa® is to swiftly provide the optimal USDA or FHA loan without any hassles. You can start by selecting one of three defined pathways that will lead you to matching lenders and USDA loan programs.
The USDA home loan, often referred to as the USDA rural development loan or USDA mortgage, is secured by the U.S. Department of Agriculture and is available solely in rural locales. Unlike FHA loans that require a minimum down payment of 3.5%, the USDA mortgage demands no down payment.
Westside Community Federal Credit Union is now serving the communities of Chili, Churchville, Ogden, Riga and Sweden. Also included are spouses of persons who died while within the field of membership of this credit union, persons retired as pensioners or annuitants from the above employment, members of their immediate family or household,
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.
Rochester Area State Employees Federal Credit Union
2300 Buffalo Road, Building 400B, Rochester, NY, 14624
Lends in New York
Rochester Area State Employees Federal Credit Union has been open since 1935. The credit union has assets totaling $18.05 Million. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves federal, state, and local government employees.
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.
East Coast Commercial. is a commercial mortgage banking company that structures, arranges, & closes commercial mortgages for acquisitions, refinances & refurbishment projects for developers throughout the United States and Canada. East Coast Commercial, provides you with the most competitive financing for your next commercial real estate project.
