USDA Vs. FHA Pro and Con comparison in Gates, Monroe County, NY
For the year 2026, the USDA loan limit in Gates, within Monroe county, NY, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Take advantage of the Lendersa® USDA loan calculator to examine the current best rates for USDA versus FHA and identify the income level, credit score, reserves, and documentation you need to qualify. Our sophisticated mortgage calculator allows you to view side-by-side comparisons of USDA, FHA, Conforming, and VA loans, supporting your decision-making in choosing the most appropriate financial program in .
Loan Limits and Down Payment Requirements for 2026 in Gates, County of Monroe, 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 Gates, NY
The mission of Lendersa® is to help you secure the best available USDA or FHA loan swiftly and effortlessly. You can choose from three starting points to connect with lenders and explore USDA loan programs.
The USDA home loan, known as the USDA rural development loan or USDA mortgage, is provided with a guarantee from the U.S. Department of Agriculture and is accessible only within rural areas. In contrast to FHA loans, which require a minimum down payment of 3.5%, the USDA loan has no down payment requirement.
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