USDA Vs. FHA Pro and Con comparison in Henrietta, Monroe County, NY

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

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Henrietta, county of Monroe, NY

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Henrietta, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Hunter Creek Mortgage, Inc
  • 1243 E Iron Eagle Dr, Suite 130, Eagle, ID, 83616
  • "Hunter Creek Mortgage, Inc. was established with a simple vision: to create extraordinary mortgage solutions for Idaho homeowners. That vision continues to be a driving force for us today. We believe that every client is an individual and that there is no “one size fits all” solution.
  • Fulcrum Home Loans
  • 971 E Winding Creek Drive, Eagle, ID, 83616
  • At Fulcrum Home Loans, our passion is clear: We are here to help our clients fulfill their dream of homeownership and provide the best possible mortgage experience! We do this by providing no non-sense financial advice, top notch customer service, speedy pre-approvals and rate quotes, as well as competitive rates and terms.
  • Red Rock Financial of St. George
  • 720 S. River Road, Suite C-125, Saint George, UT, 84790
  • Our mission is to help those who have had a financial set back and need a second chance. Whether it is bankruptcy, job loss, or mounting medical bills, Red Rock Financial is here to help. We offer personal, auto, RV, and consolidation loans that have affordable monthly payments that report monthly to the credit bureau.
  • Platinum Mortgage Inc.
  • 352 E Riverside Dr, Suite a-5, Saint George, UT, 84790
  • Platinum Mortgage is a lending company that can shop multiple lenders to get you the best rate. Our Mission is to give you the “Platinum Standard” or service throughout the mortgage process. Provide a variety of mortgage and lending services in the state of Utah. Platinum Mortgage was founded December 21st 2011.
  • Mortgage HQ
  • 3111 East 2890 South, Saint George, UT, 84790
  • Mortgage HQ's key to our success has been a combination of consistently offering the lowest possible rates, responding quickly, and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity and look forward to earning your trust.
  • Red Rock Home Loans
  • 169 West 2710 S Circle, Suite 202A, Saint George, UT, 84790
  • We are dedicated to making the loan process a satisfying experience. We use up-to-date technology to provide you with the tools necessary to research the loan right for you, find answers to mortgage questions, and complete the mortgage application process.Our goal is to help the you find a loan that fits your unique needs.
  • Catlin Capital, Inc.
  • 1410 N Mullan, Suite 205, Spokane, WA, 99206
  • Catlin Capital's Loan Officers are entrusted with your very personal financial information and we secure our clients' data and information fully. We understand that securing the right mortgage is an essential part of achieving your financial dreams and goals. At Catlin Capital, we consider ourselves "stewards of wealth
  • Northern Arizona Mortgage Corporation
  • 707 E Mingus Avenue, Cottonwood, AZ, 86326
  • We have been serving Northern Arizona since 1985 and our mission has always been to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome
  • BILT Capital
  • 1150 E Riverside Dr, Suite 911598, Saint George, UT, 84791
  • We are a hard money lender focused on funding projects in Utah, Southern Idaho, and Southern Nevada. We offer funding programs for Fix and Flips, Residential and Commercial Bridges, and Land Development. UT Providing funding throughout Utah Great Projects Are Not Funded, They're BILT
  • A&A Funding Corporation
  • 10031 E. Dynamite Blvd Suite 230, Scottsdale, AZ, 85262
  • A & A Funding Corp was founded in 1982 by Hugh Anderson. Hugh at the time had extensive experience in the real estate industry starting in 1970 but created A & A Funding Corp to expand his private money lending services. In 2008, his two sons Wayne and Brad Anderson purchased A & A Funding Corp., making it a multi-generational business.
  • CapEd Credit Union
  • PO Box 570, Meridian, ID, 83680
  • We are a people-oriented Credit Union that provides personal and business financial services of superior quality and convenience. Our primary focus areas are member financial well-being, enrichment of community and promotion of quality education. With 10 locations and dozens of ATMs in Southern Idaho, we are here to help you
  • Heritage Home Loans
  • 1227 N Argonne Rd., Spokane, WA, 99212
  • We are a full service Mortgage Bank with loan products for Purchase and Refinance of Residential Real Estate. We offer in-house origination, processing, and underwriting to our clients to ensure their expectations are exceeded. Our main markets include Eastern and Central Washington as well as North Idaho down to Lewiston, ID.