USDA and FHA Pro and Con in East-Rochester, Monroe County, NY

As of 2026, the USDA loan limit in East-Rochester, within Monroe, NY, is $285,000, whereas the FHA limit for a single-family home is $356,362.

Leverage the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. Determine required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays the USDA, FHA, Conforming, and VA options side by side to assist in choosing the best program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in East-Rochester, Monroe, NY

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conforming Conventional $548,250 3%

Discover USDA and FHA Loan Options in East-Rochester, NY

Lendersa® aims to quickly secure the best USDA or FHA loan for you, hassle-free. Choose one of three starting points to connect with matching lenders and USDA loan programs.

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Understanding USDA Loans in NY

A USDA home loan, endorsed by the Department of Agriculture—often called a USDA rural development loan or USDA mortgage—is available exclusively in rural neighborhoods. Unlike FHA loans that require a 3.5% minimum down payment, USDA mortgages require none.

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



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  • Old West Federal Credit Union strives to offer a wide range of services designed to improve the economic and social well-being of our members. We strive to adapt to the ever-changing financial environment to provide the best service, value, and education to our members. Old West Federal Credit Union was originally chartered in 1957.

  • Cashmere Valley Mortgage
  • 127 Easy Street, Wenatchee, WA, 98801
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  • Yakima Federal Savings and Loan
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  • Foothills Bank
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  • Foothills Bank is based on the same sense of community, friendly and down-to-earth attitude that makes this part of America special We're proud to have fifteen locations: two in Yuma, two in Prescott, two in Kingman, two in Lake Havasu, and one in Casa Grande, Prescott Valley, Tucson, Flagstaff, Bullhead City, Cottonwood, and Phoenix.