USDA Vs. FHA Pro and Con comparison in Hamlin, Monroe County, NY
In 2026, the USDA loan limit for Hamlin, located in Monroe county of NY,
is $336,500. Meanwhile, the FHA limit for a single-family home is
$472,030.
Utilize the Lendersa® USDA loan calculator to compare current top rates between USDA and FHA loans.
Determine the necessary income, credit, reserves, and documents needed to qualify.
Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side,
aiding you in selecting the most suitable program in for your economic circumstances.
2026 Loan Limits and Downpayment Requirements in Hamlin, 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 Hamlin, NY
Lendersa® aims to help you swiftly secure the most favorable USDA or FHA loan.
Select one of three starting points to link with lenders and USDA loan programs that meet your needs.
A USDA home loan, backed by the government’s Department of Agriculture and also called
a USDA rural development loan, is intended for rural areas exclusively. Unlike FHA loans that
require a minimum down payment of 3.5%, USDA loans typically need no down payment, making
them an advantageous option for eligible borrowers.
The Spencerport Federal Credit Union was founded in 1962 by a small group of members, and it has grown each year, continually improving its services, through the dedication and volunteer work of many of its members. Originally founded to serve the employees of the Spencerport School District, SFCU was granted a small Community Charter in 2006.
The Greece Community Federal Credit Union was Chartered in 1958 under the name of Greece Central School District Credit Union as a State Chartered Credit Union to serve the employees of Greece Central School District. The first Board Meeting was held on September 22, 1958 reporting assets of $36.00.
The mission of Focus First FCU is to ensure that our members think of us first for their financial needs. We do this through equal treatment of all our members, quality service & a variety of products offered at competitive rates. A credit union is a not-for-profit financial cooperative that is owned and democratically controlled by its membership.
The Summit has one of the highest employee retention rates in the industry. It truly cares about its employees, helping them to achieve their personal and professional goals. At The Summit, we are committed to creating an inclusive professional environment where individual differences are respected and valued.
St. Pius X Church Federal Credit Union has been open since 1967. The credit union has assets totaling $94.07 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
Rochester Area State Employees Federal Credit Union
2300 Buffalo Road, Building 400B, Rochester, NY, 14624
Lends in New York
Rochester Area State Employees Federal Credit Union has been open since 1935. The credit union has assets totaling $18.05 Million. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves federal, state, and local government employees.
In 1964, seven teachers in the Gates Chili school district started the credit union, originally named Gates Chili School District Federal Credit Union. The Gates Chili Federal Credit Union is a full-service, financial cooperative that offers a broad range of financial products and services to our members.
Ukrainian Federal Credit Union is insured by the National Credit Union Administration and offers personal and business financial services including savings and checking accounts, share certificates, loans, mortgages, VISA credit and debit cards, wire transfers, and online and mobile banking.
The Upstate National Bank is a nationally-chartered community bank headquartered in Rochester, NY focusing on providing a safe and secure environment for clients to transact, invest and borrow while simultaneously enabling and enhancing community prosperity and growth in the markets we proudly serve.
