USDA Vs. FHA your options comparison in Ogden, Monroe County, NY
During 2026, the USDA loan threshold for Ogden, in Monroe county, NY, is capped at $336,500. Simultaneously, the FHA loan limit for a single-family residence is designated as $472,030.
Make use of the Lendersa® USDA loan calculator to weigh today’s top USDA against FHA rates and ascertain the necessary income, credit score, reserves, and documentation for qualification. Our sophisticated mortgage calculator also juxtaposes USDA, FHA, Conforming, and VA loans, assisting you in determining the program that best suits your financial circumstances in .
Overview of Loan Limits for 2026 and Down Payment Specifications in Ogden, Monroe, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Ogden, NY
The mission of Lendersa® is to deliver the ideal USDA or FHA loans swiftly and with ease. Choose one among three initial pathways that culminate in aligning you with suitable lenders and USDA programs.
A USDA home loan, backed by the government's Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is only available in rural regions. Contrasting FHA loans, which require a minimum down payment of 3.5%, USDA loans mandate no down payment at all, making them highly accessible.
The Spencerport Federal Credit Union was founded in 1962 by a small group of members, and it has grown each year, continually improving its services, through the dedication and volunteer work of many of its members. Originally founded to serve the employees of the Spencerport School District, SFCU was granted a small Community Charter in 2006.
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 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.
Westside Community Federal Credit Union is now serving the communities of Chili, Churchville, Ogden, Riga and Sweden. Also included are spouses of persons who died while within the field of membership of this credit union, persons retired as pensioners or annuitants from the above employment, members of their immediate family or household,
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.
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.
