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

For 2025, the USDA loan limit in Monroe, within Orange county, NY, is $581,200, whereas for a single-family home, the FHA cap is $472,030.

Leverage the Lendersa® USDA loan calculator to evaluate today's leading USDA vs. FHA rates while determining the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator also showcases USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program for your financial scenario in .

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2025 Loan Limits and Down Payment Details in Monroe, Orange, NY

Loan Type Loan Limit Down Payment
USDA $581,200 0%
FHA $472,030 3.5%
Conventional Conforming $726,525 3%

Choices for USDA and FHA Loans in Monroe, NY

The aim of Lendersa® is to quickly provide the best USDA or FHA loan options with ease. Select one of three initial paths leading to matched lenders and USDA program choices.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. In contrast to FHA loans requiring a 3.5% down payment, USDA loans do not require any initial payment.

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



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