USDA Loan Vs. FHA loan pro & con Churchville, Monroe County, NY

In 2026, the USDA loan limit in Churchville, which is part of Monroe County, NY, is set at $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, determining necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator allows side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you to choose the best option in for your financial circumstances.

USDA and FHA Loan Options in Churchville, NY

Lendersa® aims to secure the best possible USDA or FHA loan for you quickly and without hassle. Choose from three starting approaches to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Exactly is a USDA Loan in NY?

The USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA mortgage requires no down payment whatsoever.

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(303) 456-0366 Lender's profile and map Reviews STONEHENGE FINANCIAL 4800 Wadsworth Blvd, Suite 200, Wheat Ridge, CO, 80033 Stonehenge Financial Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
(303) 883-0658 Lender's profile and map Reviews Paradyme Mortgage Inc 4380 Harlan Street, Suite 100, Wheat Ridge, CO, 80033 Paradigm (the original spelling of the word), has a meaning of being “worthy of duplication; standing out above the rest”. That was the philosophy at the onset of the founding of Paradyme, that we were above the rest, and well worthy of duplication. We are local, family owned mortgage company that really cares about your loan needs
(406) 526-3223 Lender's profile and map Reviews Fort Peck Community FCU PO Box 214, Fort Peck, MT, 59223 Fort Peck Community Federal Credit Union is a member-owned, not-for-profit organization whose objective is to meet the financial needs of our members. We take pride in helping our members get the best value for their money Fort Peck Community Federal Credit Union was started in 1952 by nine Fort Peck residents.
(720) 290-8305 Lender's profile and map Reviews BW Mortgage LLC 1745 Shea Center Dr, Suite 400, Littleton, CO, 80129 At BW Mortgage LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
(720) 290-8305 Lender's profile and map Reviews Home Grants Colorado 1745 Shea Center Dr, Suite 400, Highlands Ranch, CO, 80129 Buying your first home is one of the best financial decisions you can make! It’s also one of the biggest purchases most people make in their life time. That’s why our financing professionals have partnered with Colorado Grant Programs to help you with making that process easier. Not only will they be able to tell you quickly.
(480) 406-4848 Lender's profile and map Reviews Desert Mountain Financial Inc 66 West Springer Drive, Suite 202, Highlands Ranch, CO, 80129 Desert Mounatin Financial was founded with the core principals of Transparency, Independence and Accountibilty. We're a multi-state Mortgage Broker providing our valued clients with the lowest rate and fee structure in the industry. We pledge to help our Clients and Referral Partners overcome the traditional roadblocks.
(720) 773-1006 Lender's profile and map Reviews Surety Home Loans LLC 9249 S Broadway, Highlands Ranch, CO, 80129 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. It's your loan...your way! Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(720) 746-2380 Lender's profile and map Reviews Mortgage365 Lending LLC 640 Plaza Drive, Suite 120, Highlands Ranch, CO, 80129 Mortgage365 is dedicated on unlocking the full power and potential of the Microsoft Cloud and making it Mortgage Aware for lenders looking to create BETTER, SMARTER, FASTER loan experiences. We harness the latest technology to reverse the cycle of rising costs and falling productivity and simply put; do MORE with LESS.
(877) 939-0339 Lender's profile and map Reviews Vertex Financial Group Inc 640 Plaza Drive, Suite 120, Littleton, CO, 80129 our goal is to provide you with superior mortgage advice, professional service, along with low interest rates. Our skilled, knowledgeable Loan Advisors guide you through the process of selecting the right mortgage that best fits your goals & objectives, with no surprises and no hidden fees.
(720) 962-8200 Lender's profile and map Reviews Foothills Credit Union 7990 W Alameda Ave, Lakewood, CO, 80226 Foothills Credit Union is your community Credit Union. We are a reliable, full service, member-owned cooperative currently serving over 9,000 members in both Jefferson and Larimer Counties. Foothills Credit Union started in 1946 as VAR 39 Credit Union serving a few different government employee groups.
(303) 234-1700 Lender's profile and map Reviews Credit Union of Denver 9305 W. Alameda Ave, Lakewood, CO, 80226 As a credit union, we are a not-for-profit, member-owned, financial cooperative. Being not-for-profit means our goal is to return as much as possible to our members in the form of better interest rates, lower fees, and innovative services. In addition, we have taken a minimal branch strategy, which keeps our costs down.
(303) 478-9126 Lender's profile and map Reviews Colorado Mortgage Loan 550 S. Wadsworth Blvd, Suite 301, Denver, CO, 80226 We are a direct lender, which means we can sell directly to the bigger banks or directly to Fannie Mae, Freddie Mac, and Ginnie Mae. This means that we can work without restrictions of other bank overlays creating fewer needed items and a smoother process. We do everything ‘in house’; processing, underwriting, and closing.