USDA Vs. FHA your options comparison in Churchville, Monroe County, NY

In 2025, USDA loan limit in Churchville, 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Churchville, 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 Churchville, 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?



  • American Bank & Trust
  • 200 E 10th St, Suite 100, Sioux Falls, SD, 57104
  • American Bank & Trust is a South Dakota community bank offering personal, business, agricultural, wealth management and insurance products and services.Since 1892, American Bank & Trust has been more than a bank. Our customers are our friends, our neighbors and our connection to the communities we serve.
  • Dakota Business Finance
  • 500 N. Western Avenue, Suite 100, Sioux Falls, SD, 57104
  • In April 2006, Dakota BUSINESS Finance was designated as a Certified Development Company (CDC) by the Small Business Administration and began offering the SBA 504 program to businesses throughout South Dakota. The territory was later expanded to include portions of IA, MN, and NE.
  • Great Western Mortgage
  • 225 S Main Ave, Sioux Falls, SD, 57104
  • Great Western Bank (NYSE:GWB) is a full-service regional bank focused on relationship-based business and agribusiness banking. Our Mission is to Make Life Great by empowering our employees, strengthening our customers and enriching our communities. Great Western Bank services its customers through more than 170 branches in nine states.
  • Sioux Falls Federal Credit Union
  • 700 E 14th Street, Sioux Falls, SD, 57104
  • Sioux Falls Federal Credit Union provides the full range of consumer and business financial services. We are a member-owned financial cooperative with local decision-making for all business credit and deposit needs. A full-service locally owned financial institution providing financial services in Minnehaha, Lincoln, Turner
  • CU Mortgage Direct, LLC
  • 5010 S Solberg Ave, Sioux Falls, SD, 57108
  • CU Mortgage Direct LLC is a South Dakota Limited Liability Company, NMLS# 198895. We are a mortgage banker/direct lender for all types of home loans. Since we are owned by credit unions, we have a strong financial backing and we can pass that savings on to you. With over 150 years of combined experience, we can help you obtain the right loan.
  • First Bank & Trust
  • 2300 W 57th St, Sioux Falls, SD, 57108
  • Fishback Financial Corporation (FFC) is the parent company of First Bank & Trust. One of South Dakota's largest privately held financial holding companies, FFC has 22 First Bank & Trust locations in 17 towns in South Dakota and Minnesota We are proud to be a family- and employee-owned community bank.
  • First Dakota National Bank
  • 6109 S. Old Village Pl, Sioux Falls, SD, 57108
  • First Dakota National Bank has eighteen locations throughout South Dakota and five Loan Production Offices in South Dakota and Nebraska, all designed to make banking easy for you. Our Mission: To anticipate, meet and exceed our customers' expectations. We will strengthen our communities by providing time, talent and resources.
  • FIRST INTERNATIONAL BANK & TRUST
  • 4930 S Western Ave, Suite, Suite 100, Sioux Falls, SD, 57108
  • "First International Bank & Trust started as a single branch in Arnegard, North Dakota, and over 109 years has evolved into a bank with 28 locations in North Dakota, Minnesota, and Arizona. We offer more than just banking. Our suite of expanded services is what makes us a full-service bank that our customers."
  • RELIABANK DAKOTA
  • 608 W 86th St, Sioux Falls, SD, 57108
  • We are a family-owned comprehensive financial institution serving Our competitive advantage centers around two principles: profitability in a competitive market and our community bank mantra of "making things better" for our customers. Our competitive advantage is that we offer "big bank products with hometown service
  • TAILORED MORTGAGE GROUP
  • 5024 S Bur Oak Pl, Suite 113B, Sioux Falls, SD, 57108
  • Tailored Mortgage Group is one of only a few independent mortgage brokerages in all of South Dakota. Mortgage brokers differ from normal lenders in that we have the ability to work with dozens of lenders to shop for the best rates and fees for our customers. We do the shopping for you. Mortgage loans.
  • DNB National Bank
  • 305 4th Street West, Clear Lake, SD, 57226
  • DNB National Bank is a locally owned independent community bank. The bank, located in Clear Lake, South Dakota, was originally organized on December 16, 1925. We have redesigned our website to make your experience easier on all of your devices! Our goal is to provide the financial services you need along with the best customer service ever!
  • Arbor Bank
  • 16949 Lakeside Hills Plz, Omaha, NE, 68130
  • At Arbor Bank, we make growing great relationships with our clients the top priority. Arbor Bank has served Eastern Nebraska & Western Iowa for over 150 years. We are dedicated to helping farmers, families, individuals, businesses & our local communities grow. Arbor Bank's roots stem back to 1865 when the Nebraska City institution was established.