USDA Vs. FHA Pro and Con 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.
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