FHA Vs. USDA loan program for East-Rochester, Monroe County, New York

In 2025, USDA loan limit in East-Rochester, county of Monroe, NY is $285,000 while FHA limit is $356,362 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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USDA and FHA loan options in East-Rochester, 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.

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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.

(716) 565-1500 63 miles Lender's profile and map Reviews Mainstream Funding Network 5586 Main Street, Williamsville, NY, 14221 MAINSTREAM FUNDING NETWORK, INC. have provided a remarkably streamlined and personalized application-to-closing experience for thousands of clients. Over the years as we have grown in size, our veteran administrators and staff continue to function in concert with our original philosophy.
(716) 633-5888 63 miles Lender's profile and map Reviews Banas Mortgage Co., LTD 27 North Long, Buffalo, NY, 14221 Very few borrowers are exactly alike. When looking for a home there are many choices. People need to know what is available to them so they can make the best decision possible. There are always numerous choices; however credit, income & down payment are the main criteria.We always encourage our clients to come in before they meet with their realtor
(315) 484-2201 63 miles Lender's profile and map Reviews Solvay Bank 1537 Milton Ave, Syracuse, NY, 13209 Serving the Greater Central New York community for 100 years, Solvay Bank continues to strive to provide consumers and small business customers outstanding service and quality financial products. We are a people-oriented, independent, commercial bank that focuses on meeting the needs of the communities we serve.
(315) 488-4433 63 miles Lender's profile and map Reviews ACMG Federal Credit Union 1753 Milton Avenue, Syracuse, NY, 13209 ACMG Federal Credit Union exists solely to serve the needs of our members by providing them the tools they need to manage their everyday finances and assist them in reaching their financial goals. Think of us as a resource that provides both a safe place to save your money, and a honest place to borrow money.
(315) 484-2205 63 miles Lender's profile and map Reviews Solvay Bank 1537 Milton Ave, Solvay, NY, 13209 Founded in 1917, Solvay Bank is the oldest commercial bank in Central New York. We have nine locations in the Greater Syracuse area.Our mission is to provide the best experience for our customers to help make their financial dreams come true, while upholding socially responsible and community-minded principles, and delivering value to our sharehold
(716) 778-7423 63 miles Lender's profile and map Reviews Ontario Shores Federal Credit Union 2890 Transit Road, Newfane, NY, 14108 Founded over 50 years ago, Ontario Shores FCU remains locally committed to serving the counties of Niagara, Orleans, Genesee, Wyoming, Cattaraugus, Allegany, and Steuben. We’re big enough to offer just about any service you may want, and we’re small enough to deliver it promptly and with a smile.
(716) 681-1460 63 miles Lender's profile and map Reviews Good Neighbors Credit Union 30 Brunswick Road, Depew, NY, 14043 Good Neighbors Credit Union embraces its responsibility to serve a diverse membership – from underserved individuals looking to build a financial foundation to those with stronger means seeking a high-quality, accessible, stress-free banking alternative. We expertly deliver a range of products, services, tools,
(716) 634-3636 65 miles Lender's profile and map Reviews AFGM Enterprises Federal Credit Union 132 Cayuga Road, Cheektowaga, NY, 14225 AFGM Enterprises Federal Credit Union is a member-owned not for profit financial institution. The Credit Union's motto is "Not for profit, not for charity, but for service". We strive to provide value and convenience in all our financial products and services. Your membership is very important to us.
(315) 469-5599 65 miles Lender's profile and map Reviews Secny Federal Union Mortgage Department PO Box 15040, Syracuse, NY, 13215 SECNY FEDERAL CREDIT UNION the credit union is a member-owned, non-profit, full-service financial institution. SECNY maintains its focus on education and commitment to going beyond just providing financial services. Any person working, living, worshipping, attending school, businesses and legal entities.
(716) 691-3110 65 miles Lender's profile and map Reviews Williamsville Federal Credit Union 656 North French Road, Suite 7, Amherst, NY, 14228 Williamsville Federal Credit Union to serve our member’s by providing convenience, exceptional service with advanced products. Williamsville Central School District Employees have an opportunity to become a member of the Williamsville FCU It is a not-for-profit financial institution owned and controlled by the members and is operated for your benef
(716) 691-9187 65 miles Lender's profile and map Reviews Sweet Home FCU 1960 Sweet Home Road, Amherst, NY, 14228 Since its inception in 1957 the Sweet Home Federal Credit Union has been serving its members in the AMHERST, New York area with exceptional financial products and also Sweet Home Credit Union is a financial institution offering favorable rates on savings & loans, serving the Town of Amherst and the Town of Tonawanda, NY.