In 2025, 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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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
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.
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?
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