USDA and FHA Pro and Con in Mendon, Monroe County, NY

In 2025, USDA loan limit in Mendon, 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 Mendon, 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 Mendon, 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?



  • TST Financial LLC
  • 1318 s College Avenue, Suite 4, Fort Collins, CO, 80524
  • At TST Financial Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
  • Excel Financial Group, LLC
  • 123 N College Ave, Suite 230, Fort Collins, CO, 80524
  • Excel Financial Group is a Colorado home loan and mortgage company that provides exceptional, unsurpassed mortgage and refinance services at the lowest local rates available. Our mortgage brokers work directly with you to achieve a financial solution that is customized to your needs and circumstances.
  • Texas Health Credit Union
  • 4800 Grover Avenue, Austin, TX, 78756
  • Texas Health Credit Union is dedicated to providing its members a variety of affordable financial products and services in a personal and professional manner. We are committed to meeting the changing needs of our members and are dedicated to the philosophy of "people helping people".
  • Shelly Roark
  • 814 West North Loop, Unit B, Austin, TX, 78756
  • Shelly values each client and prides herself in finding the right loan fit for each by using her expertise in FHA, VA, Conventional, Rural Housing/USDA, Texas Vet, Jumbo, and many other special mortgages. She practices her personal mantra, “If there’s a will, there’s a way,” and she will find it!
  • Hardy Mortgage, LLC
  • 7719 Wood Hollow Drive, Suite 150, Austin, TX, 78731
  • Hardy Mortgage LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • ELITE FINANCING GROUP
  • 3415 Greystone Dr, Suite 205, Austin, TX, 78731
  • Elite Team of individuals who will provide our customers with excellent service and an exceptional loan experience. Family and team culture is our main focus so that every member of our company knows their value. We strive to provide each individual with the necessary tools to become their very best.
  • First State Bank of Burnet
  • 136 East Washington Street, Burnet, TX, 78611
  • The mission of First State Bank of Burnet is to make a profit for its shareholders while serving the financial needs of our communities, businesses, & citizens. First State Bank of Burnet is a responsible citizen & a business leader of our communities, and we will not knowingly take actions that are adverse to the best interest of our communities.
  • Service First Financial LLC
  • 3098 Majestic View Drive, Timnath, CO, 80547
  • At Service First Financial, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism.