USDA Vs. FHA Pro and Con comparison in Monsey, Rockland County, NY

For 2026, the USDA loan cap in Monsey, Rockland county, NY is $0, whereas the FHA limit for a single-family home is $1,089,300.

Use the Lendersa® USDA loan calculator to check today's top USDA vs. FHA rates, and find out the income, credit, reserves, and documents required. Our advanced calculator presents USDA, FHA, Conforming, and VA options side-by-side, helping you choose the best fit for your financial needs in .

View offers from 100 lenders

2026 Loan Caps and Down Payment Needs in Monsey, Rockland, NY

Loan Type Loan Cap Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Options in Monsey, NY

Lendersa®'s aim is to promptly secure the best USDA or FHA loan for you. Choose one of three steps to match with lenders and explore USDA programs.

Lendersa USDA loan matching results

USDA Loans in NY

A USDA home loan, backed by the U.S. Department of Agriculture, is for rural areas. Unlike FHA loans needing a 3.5% down payment, USDA loans require none.

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



  • Grand Bank
  • 204 Westover Drive, Hattiesburg, MS, 39402
  • At Grand Bank we put people first. We have been providing our customers with superior and flexible service with a hometown approach since 1968. Our mission is to serve our communities and customers so that families grow stronger, businesses thrive, and communities flourish. Grand Bank is both a great place to save for our customers.

  • Citizens First National Bank
  • 529 Lake Avenue, Storm Lake, IA, 50588
  • In 1902, Fred and George Schaller started the Citizens Bank as a private banking business with deposits of $70, 000.00. Since that time the bank has remained locally owned and managed by the Schaller family through the currency crisis of 1907, the depression of the 1930's, the agricultural crisis of the 1980's and the financial crisis of 2008.

  • Central Bank Iowa
  • 600 Lake Avenue, Storm Lake, IA, 50588
  • That’s the nature of being a part of Central Bank. Our small-town roots and dedication to the communities we serve push us to help our customers and communities to accomplish great things. We’re family-owned and decisions are made locally, not in a distant skyscraper. Whether it’s a mortgage, a small-business loan

  • Criton Capital, LLC
  • 601 N. Federal Highway, Suite 301-20, Hallandale Beach, FL, 33071
  • Short Term Bridge Loans for Commercial and Investment Grade Properties.
    • No deep dive underwriting
    • $500,000+ loan sizes preferred
    • 12-36 month terms
    • Most commercial RE assets accepted; special use case-by-case
    • No rural or vast land properties
    • No junk fees
    • Quick close
    • Broker friendly

  • Autana Group, Inc.
  • 934 N University Dr 139, Coral Springs, FL, 33071
  • We are a leading provider of real estate valuations for the mortgage lending marketplace. With many years of experience in the business, we have a proven track record of reducing lenders time, efforts and costs in managing the appraisal process.

    We are a leading provider of appraisals for:

    Primary and Secondary Mortgages
    Mortgage Refinanc

  • Horizon Mortgage Group LLC
  • 1700 North University Drive, Suite 304, Coral Springs, FL, 33071
  • Horizon Mortgage Group is a premier mortgage company located in Coral Springs Florida . Our goal is to provide you with exemplar service that exceed your expectations and build a solid long term relationship that will last for years.

    we pride ourselves in offering the highest level of customer service.

  • Sunshine State Mortgage LLC
  • 1515 North University Drive, Suite 101, Coral Springs, FL, 33071
  • Sunshine State Mortgage has provided South Florida homebuyers with competitive loan options and services for over 25 years. It is our goal to be the leading home mortgage brokerage firm in Florida. In addition, we make exceptional customer service the cornerstone of our business by staying on top of industry regulations

  • Pacific Lending Group Inc
  • 1750 University Drive, Suite 225, Coral Springs, FL, 33071
  • Pacific Lending Group is a busy and cutting edge correspondent mortgage lender headquartered in Coral Springs, Florida, catering to homeowners and first time buyers. We have an experienced team of mortgage loan originators with backgrounds in financial planning, insurance, appraisals, real estate and business.

  • EPIC MORTGAGE, INC
  • 1515 N. Universtiy Dr Ste 111, Coral Springs, FL, 33071
  • Epic Mortgage, we serve our customers with honesty, integrity and competence, while providing them with the lowest interest rates and closing costs available. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan with many other lenders

  • Sunshine State Mortgage
  • 1515 N. UNIVERSITY DRIVE #101, Coral Springs, FL, 33071
  • Sunshine State Mortgage has provided South Florida homebuyers with competitive loan options and services for over 25 years. It is our goal to be the leading home mortgage brokerage firm in Florida. In addition, we make exceptional customer service the cornerstone of our business by staying on top of industry .

  • Nationwide Mortgage Group
  • 1750 N University Dr #201, Coral Springs, FL, 33071
  • Nationwide Mortgage, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Bluecastle Lending, Realty & Title
  • 12514 W. Atlantic Blvd, Coral Springs, FL, 33071
  • Bluecastle Lending, Realty & Title primarily services Broward, Palm Beach & St. Lucie counties, however, we do loans & title all throughout Florida. We offer some unique and almost unfair Buyer advantage like one-stop-shop, finding the best deal in the market for the buyer’s taste & budget the first day looking