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.
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