USDA VS FHA in Fairport, Monroe County, NY

In 2026, the USDA loan limit for Fairport, located in Monroe county, NY, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.

Take advantage of the Lendersa® USDA loan calculator to compare the best current USDA versus FHA rates. Determine the income, credit score, reserves, and documents you need to qualify. Our sophisticated mortgage calculator enables side-by-side comparison of USDA, FHA, Conforming, and VA programs, assisting you in choosing the optimal program for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Fairport, Monroe County, NY

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

Exploring USDA and FHA Loan Options in Fairport, NY

The mission of Lendersa® is to swiftly facilitate access to the best USDA or FHA loans without any hassle. Start by choosing one of three entry points that direct you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, guaranteed by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, and is exclusive to rural areas. While FHA loans necessitate a minimum 3.5% down payment, the USDA mortgage does not require any down payment at all.

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



  • Fulton Savings Bank
  • 75 South First Street, Fulton, NY, 13069
  • Fulton Savings Bank offers comprehensive banking services near Fulton, NY, including deposit accounts, such as checking accounts and savings accounts, as well as loans, such as personal loans, mortgage loans, home equity loans and more.
    For over 100 years, Fulton Savings Bank has been a trusted provider for competitive Fulton mortgage rates.

  • District #6 Federal Credit Unio
  • 107 Broadway, Hornell, NY, 14843
  • The Credit Union was established on February 24, 1936 as District #6 New York State Highway Employees and was located at 30 West Main Street in Hornell. Membership was primarily made up of NYS Department of Transportation employees that worked in Region 6 (Steuben, Allegany, Chemung, Schuyler and Yates Counties)

  • Alden State Bank
  • 13216 Broadway, Alden, NY, 14004
  • Alden State Bank is committed to providing innovative, state-of-the-art banking products and services with a neighborly approach to customer service. Our customers are you: people and small businesses in Alden, Lancaster, and the surrounding communities. we are committed to providing innovative, state-of-the-art banking products

  • Allegany First Federal Credit Union
  • 27 West Main Street, Fillmore, NY, 14735
  • Allegany First Federal Credit Union has been open since 1977. The credit union has assets totaling $21.28 Million and provides banking services to more than 2, 000 members.

    The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member

  • Westar Federal Credit Union
  • 2565 Hambletonian Way, Camillus, NY, 13031
  • Westar FCU began in 1963 with a group of school teachers, a shoe box, and a shared vision. Hence, the member owned, not-for-profit financial cooperative was formed to service the employees of the West Genesee School District. Over the years OCM BOCES and other businesses and organizations were welcomed to the credit union. Now, membership has expan

  • 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.

  • 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.

  • 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

  • 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.

  • Quickline Capital Partners, Inc
  • 4713 Crossroads Park Dr, Suite 101, Liverpool, NY, 13088
  • We help individuals and corporate borrowers secure the necessary capital, whether they need a refi, a stated income loan, fix-and-flip financing, or improvement financing. While some properties are harder to finance than others, most anything can be financed with some expert help. We can finance.

  • Paragon Home Loans, Inc
  • 225 Greenfield Parkway, Suite, Suite 207, Liverpool, NY, 13088
  • Paragon Home Loans, Inc. is a licensed mortgage banker by the New York State Department of Financial Services. Founded in 1976, Paragon Home Loans focuses exclusively on the residential mortgage needs of its customers. We have eight convenient locations in Syracuse, Buffalo, Plattsburgh, Binghamton, Utica, Lake Placid, Cortland and Corning.

  • R & R FUNDING, INC.
  • 10 Sussex Ln, Lancaster, NY, 14086
  • The resourceful and skilled team at R & R Funding, Inc. is eager to help you reach your dreams. If you need an experienced Lancaster, NY Mortgage team focused on precision, give us a call. Ron Fronckowiak's service is unparalled and I am typically available 24/7/365. My dedication to being a top mortgage professional began in 2002.