USDA and FHA Pro and Con in Chili, Monroe County, NY

In 2025, USDA loan limit in Chili, county of Monroe, NY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Chili, county of Monroe, NY

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Chili, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • All City Mortgage, LLC
  • 7225 North East 149th, Place Kenmore, WA, 98028
  • Josh Kostelyk and my official title is Mortgage Loan originator, which sounds a little stuffy. In short, I help people buy homes and refinance homes by securing top of the line mortgage products that meet their specific needs while saving them time I'm an independent broker with direct connections to a multitude of lending institutions.
  • Precision Mortgage, Inc
  • 7109 114th Avenue Southeast, Newcastle, WA, 98056
  • At Precision Mortgage, Inc you'll find mortgage consultants who put themselves in your shoes before deciding on which loan program would be good for you. We wants to be your personal mortgage consultants for life and we'll work very hard to achieve that. We will guide you through you process and be as thorough as can and in a timely fashion manner.
  • Rick Slaughter, Mortgage Lender
  • 207 Van Scoyoc Ave SW, Orting, WA, 98360
  • We're a full service lender who provides Conventional, VA, FHA and USDA home loans. We also lend on 2nd homes, rental properties, manufactured homes and rehab properties. We also offer down payment assistance, bridge loans, and recast options as well. Conventional, VA, FHA and USDA home loans.
  • Drexel Funding LLC
  • 1900 South Puget Dr, Suite 203, Renton, WA, 98055
  • Founded in 2016 by veterans in the real estate industry, our executive lending team has a combined total of 25 years of experience in residential and commercial hard money lending practices. We are extremely familiar with the extremely difficult processes that individuals go through when attempting to secure loans from lenders and banks.
  • Neighborhood Mortgage
  • 4164 Meridian Street, Suite 108, Bellingham, WA, 98226
  • Neighborhood Mortgage is a locally owned mortgage company located in Bellingham, Washington. Our company mission is to provide superior customer service and offer a variety of mortgage products including: purchase mortgages, refinances, FHA Loans, VA Loans, USDA Loans, Reverse Mortgage Loans, Section 184 Loans, Construction Loans and more.
  • Hyak Financial
  • 2435 Strider Ln, Suite 105, Bellingham, WA, 98226
  • Hyak Financial provides a wide variety of commercial mortgage products and business financing services. With over 90 years of combined commercial banking, mortgage, and real estate experience, the Hyak Financial Team has the experience to find the best rates and terms on most commercial real estate or business financing transactions.
  • Arbor Mortgage Group
  • 209 NE Greenwood Avenue, Suite 100, Bend, OR, 97701
  • Arbor Mortgage Group, we are extremely passionate about what we do and where we live, which naturally makes us want to serve our community the best we can. For every client we have the opportunity to work with, we strive to provide an unparalleled personal, positive and professional experience.
  • Pacific Crest Savings Bank
  • 3500 188th Street SW, Suite 575, Lynnwood, WA, 98037
  • Pacific Crest Savings Bank is a local, independently owned community bank. Delivering the highest level of customer service & expertise to our community for over three decades. We offer personal & business savings and checking products with competitive rates. Lending includes specialized loans for commercial, multifamily and residential properties.
  • Capstone Home Loans
  • 3400 188th Street SW, Suite 101, Lynnwood, WA, 98037
  • Capstone Home Loans is a leading, full-service integrated mortgage bank setting the standard for the industry today with a purposeful eye towards the future. A unique firm with a practice that actively supports the talents of experienced mortgage professionals who are focused on serving their client’s goals in pursuit of the American Dream.
  • Westar Funding
  • 728 3rd Street, Suite B, Mukilteo, WA, 98275
  • Westar Funding Inc. is a leading private money lender. We produce fast, reasonable, secure real estate loans that enable you to close quickly on residential & commercial investment properties. Westar offers financing that avoids the time-consuming process and onerous requirements of conventional lenders.
  • Pacific Capital Northwest
  • 8227 44th Ave W, Suite K, Mukilteo, WA, 98275
  • Private Capital Northwest is primarily a private money lender. Other names normally associated and used synonymously with private money lending include hard money, soft money, non-conforming, alternative, and asset- or equity-based lending Our loans are based on the asset, meaning the real property secures the loan.
  • Soundview Lending Group, LLC
  • 10605 SE 240th St, Suite 544, Kent, WA, 98031
  • "Soundview Lending Group helps small and mid-size businesses obtain the capital needed for their business. We have built trusted relationships with alternative lenders who are ready to provide funding. Yes! You have options. Additionally, we offer consultation services to small and mid-size businesses."