USDA and FHA Pro and Con in North-Gates, Monroe County, NY
During 2026, the USDA loan cap in North-Gates, within the county of Monroe, NY,
is $285,000, whereas the limit for an FHA loan for a single-family home
is $356,362.
Use the Lendersa® USDA loan calculator to compare the top USDA vs FHA rates available today.
Identify the necessary income, credit rating, reserves, and documents for qualification.
Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side,
to aid you in selecting the program in that suits your financial situation best.
Loan Limits and Downpayment Requirements for 2026 in North-Gates, Monroe, NY
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in North-Gates, NY
Lendersa® aims to provide you with the most suitable USDA or FHA loan quickly and with ease.
Begin with one of three strategic starting points that align you with matching lenders and suitable
USDA loan programs.
A USDA home loan, secured by the U.S. Department of Agriculture, also known as
a USDA rural development loan or USDA mortgage, is available only in rural areas.
Unlike FHA loans requiring at least 3.5% as a down payment, the USDA mortgage loan requires none.
The mission of Focus First FCU is to ensure that our members think of us first for their financial needs. We do this through equal treatment of all our members, quality service & a variety of products offered at competitive rates. A credit union is a not-for-profit financial cooperative that is owned and democratically controlled by its membership.
The Summit has one of the highest employee retention rates in the industry. It truly cares about its employees, helping them to achieve their personal and professional goals. At The Summit, we are committed to creating an inclusive professional environment where individual differences are respected and valued.
St. Pius X Church Federal Credit Union has been open since 1967. The credit union has assets totaling $94.07 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
Rochester Area State Employees Federal Credit Union
2300 Buffalo Road, Building 400B, Rochester, NY, 14624
Lends in New York
Rochester Area State Employees Federal Credit Union has been open since 1935. The credit union has assets totaling $18.05 Million. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves federal, state, and local government employees.
In 1964, seven teachers in the Gates Chili school district started the credit union, originally named Gates Chili School District Federal Credit Union. The Gates Chili Federal Credit Union is a full-service, financial cooperative that offers a broad range of financial products and services to our members.
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.
Powers Funding headquarters is located in the Powers Building in the heart of Rochester, NY banking and commerce center. Mark is firmly established in the community with years of experience working with firms in the fields of construction, manufacturing, food services and service related businesses.
The Greece Community Federal Credit Union was Chartered in 1958 under the name of Greece Central School District Credit Union as a State Chartered Credit Union to serve the employees of Greece Central School District. The first Board Meeting was held on September 22, 1958 reporting assets of $36.00.
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.
