USDA Loan Vs. FHA loan for Henrietta, NY [Monroe County ]

In 2025, the USDA loan limit in Henrietta, located in Monroe county, NY, is $336,500, whereas for a single-family home, the FHA limit is $472,030.

Leverage the Lendersa® USDA loan calculator to compare the leading USDA versus FHA rates of today and identify the income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the most suitable program for your financial situation in .

Options for USDA and FHA Loans in Henrietta, NY

The aim of Lendersa® is to help you find the best possible USDA or FHA loan swiftly and effortlessly. Select one of three initial pathways to discover matching lenders and access USDA loan programs.

Understanding USDA Loans in NY

A USDA home loan is backed by the government through the Department of Agriculture, commonly known as the USDA rural development loan or USDA mortgage. It is available exclusively in rural areas. Unlike FHA loans that necessitate a minimum 3.5% down payment, the USDA mortgage loan requires no down payment at all, offering a significant financial advantage for eligible applicants in rural regions.

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(660) 248-3388 Lender's profile and map Reviews Exchange Bank of Missouri 101 South Church, Fayette, MO, 65248 Our mission is to provide quality, value and service to the citizens of Audrain, Boone, Callaway, Chariton, Cole, Cooper, Howard, Lafayette, Montgomery, Monroe, Saline, Carroll, Osage, Pettis and Randolph Counties and the surrounding area. Exchange Bank of Missouri is home owned.
(205) 298-6391 Lender's profile and map Reviews AloStar Bank of Commerce 3595 Grandview Parkway, Suite 425, Birmingham, AL, 35243 Alostar Bank Of Commerce is a branch office of Alostar Bank Of Commerce. They provide the following services: Full Service Office Location and are located at 3595 Grandview Parkway, Suite 425 in Birmingham Alabama. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number
(205) 503-5000 Lender's profile and map Reviews SouthPoint Bank 3501 Grandview Parkway, Birmingham, AL, 35243 SouthPoint Bank was launched in October 2005 by former SouthTrust Corporation executives. Steve Smith, currently Chairman, President and Chief Executive Officer got the idea of opening a Bank when the former SouthTrust Bank was purchased by Charlotte-based Wachovia Corporation in June of 2004.
(888) 715-2400 Lender's profile and map Reviews Superior Credit Repair 2746 Summit Pl, Birmingham, AL, 35243 Our company’s goal is to help anyone who needs a second chance at financial freedom. Superior Credit Repair can help! We do credit repair, adjustments, improvement, debt consolidation, credit disputes and boosting. If you think you have no chance at getting a mortgage, then think again because Superior Credit Repair’s services are here.
(218) 999-9952 Lender's profile and map Reviews Woodland Bank 2610 South Highway 169, Grand Rapids, MN, 55744 Woodland Bank is a family owned bank that traces its roots back to the logging boom days in Northern Minnesota. The bank was chartered in 1920 as Shovel Lake State Bank by Fred Blais to serve the needs of his logging camp and area community of Shovel Lake, Minnesota. In 1924, the bank acquired and merged with the First State Bank of Swatara
(660) 258-5755 Lender's profile and map Reviews Bank of Brookfield-Purdin 939 Park Circle Dr, Brookfield, MO, 64628 Bank of Brookfield-Purdin has full service bank facilities in Brookfield, Purdin, and Meadville in Linn County and in Winigan located in the southeast corner of Sullivan County, all locally owned, managed, and staffed with individuals living in each of these communities who want you to bank with us.
(912) 427-3904 Lender's profile and map Reviews INTERSTATE CREDIT UNION 705 W Cherry St, Jesup, GA, 31545 Interstate Credit Union has been a local not-for-profit, member-owned cooperative. People who do their banking at Interstate Credit Union are members, not just customers. They are full voting members and own a “share” in the Credit Union with their primary savings account. Everyone must keep $5 in their primary savings account to remain a member.
(205) 995-7283 Lender's profile and map Reviews Crew Lending 248 Inverness Center Dr, Birmingham, AL, 35242 The Crew Lending team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
(205) 983-5626 Lender's profile and map Reviews SMG Mortgage 204 Griffin Park Drive, Birmingham, AL, 35242 Salter Mortgage Group, or SMG Mortgage as many of you know us, has been serving customers with home loans since 2007 and enjoyed steady growth every year in one of the toughest markets in our lifetime. We believe this growth is due to a team who is committed to providing our clients with the highest quality financial services combined
(205) 492-4182 Lender's profile and map Reviews MORTGAGE XPRESS, LLC 153 Narrows Parkway, Suite 103, Birmingham, AL, 35242 At Mortgage Xpress we take that responsibility very seriously. You can rely on our honesty and the strong desire to exceed your expectation and go beyond call of duty to deliver the results you are looking for. We offer Conventional loans, Adjustable rate loans (ARM), Jumbo loans, FHA, VA and USDA 100% loans, First time home buyer loans
(205) 908-2993 Lender's profile and map Reviews Reverse Mortgage Alabama 204 Griffin Park Drive, Suite B, Birmingham, AL, 35242 Reverse Mortgage Alabama has been exclusive to the Reverse Mortgage or HECM (Home Equity Conversion Mortgage) program in Birmingham and Huntsville, Alabama since 2007. I am honored to serve homeowners age 62 plus throughout the South and I am dedicated to helping you leverage the power of your home equity to achieve greater financial independence.
(205) 236-5667 Lender's profile and map Reviews Gagliano Mortgage, Inc 4500 Valleydale Road, Suite F, Birmingham, AL, 35242 Gagliano Mortgage, Inc team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.