USDA Vs. FHA your options comparison in Irondequoit, Monroe County, NY
For the year 2026, the USDA loan limit in Irondequoit, within Monroe county, NY, is set at $336,500. On the other hand, the FHA loan limit is $472,030 for a single-family residence.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. This tool helps you assess the necessary income, credit, reserves, and documents to qualify. Our sophisticated mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA programs, assisting you in selecting the most suitable option for your financial conditions in .
2026 loan limits and down payment requirements in Irondequoit, Monroe county, 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 choices in Irondequoit, NY
The mission of Lendersa® is to swiftly and easily bring you the finest USDA or FHA loan. Choose one of three initial pathways to match with lenders offering USDA loan programs.
USDA home loans, guaranteed by the U.S. Department of Agriculture, are also known as USDA rural development loans or USDA mortgages, and they are solely available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans mandate no down payment.
Rochester & Monroe County Employees Federal Credit Union
460 N Goodman Street, Rochester, NY, 14609
Lends in New York
Get the most out of your membership with Rochester & Monroe County Federal Credit Union. With a full range of financial products and services, our goal is to help make banking easy for our members so they can meet their goals. Members are eligible for a range of services to make banking, investing, and lending easier than ever.
At HAUS Capital, we understand that everyone’s situation is unique. Our flexible and innovative mortgage products allow us to tailor a mortgage solution customized for you and your family.Sam DiPiano, President and CEO of HAUS Capital Corporation has been in the Mortgage industry since the early 2000s.
Normandy's financial strength along with common sense decision making, allows for a flexible and stream-lined loan process, resulting in quality service and an experience that benefits Normandy's customers.
We offer a full line of Mortgage Loan Products specializing in residential and commercial construction loans. We have funded over $800 Milli
Our mission is 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 roadblocks that can arise while securing a loan.
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.
Family First Federal Credit Union is a full-service, local financial institution with over 15, 000 members that is guided by the principles of Sustainable Excellence. These principles apply to the care and service quality we provide to our members, our dedication to our staff and our responsibility to provide sound products and banking solutions.
Tompkins Lending is a mortgage broker / direct lender serving Greater Rochester and Monroe County. Tompkins Lending is spearheaded by Tim Tompkins, the sole decision maker, and is typically able to provide a fast answer without an appraisal or engineer’s inspection, saving our clients time and money.
ESL Federal Credit Union serves as a full-service financial institution to more than 384, 000 members and 13, 200 businesses. The company provides personal, business banking, mortgage services and wealth management services through its locally-based 23 branch network, telephone, mobile, online and live chat center.
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.
