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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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