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

In 2025, USDA loan limit in Perinton, county of Monroe, NY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Perinton, county of Monroe, NY

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Perinton, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • MORTGAGE SOLUTIONS
  • 321 N Main St., Bellevue, ID, 83313
  • Mortgage Solutions delivers quick and precise mortgage loans to homebuyers and homeowners that will best suit their personal financial portfolios. Offered loan products include Conventional and Jumbo/High Balance, Construction Loans, FHA, USDA, and VA. Mortgage Solutions manages the process for you by applying for loans with different lenders,
  • Merchants Commercial Bank
  • 4608 Tutu Park Mall, Suite 100, St Thomas, VI, 00802
  • Merchants Commercial Bank was created to provide state-of-the-art financial resources and solutions to the Virgin Islands business and professional community. MCB is a Virgin Islands chartered, FDIC insured, boutique commercial bank bringing state-of-the-art internet and traditional banking services to the Virgin Islands community.
  • St. Thomas Federal Credit Union
  • 5027 Norre Gade, St Thomas, VI, 00802
  • St. Thomas Federal Credit Union (STTFCU) is a non-profit financial organization with over 7, 500 members and assets of over $78 million dollars. Since 1952, STTFCU has been an integral part of the Virgin Islands community. We provide our members with opportunities to save, borrow, and improve their overall financial wellness.
  • Snake River FCU
  • 2361 Orchard Drive E, Twin Falls, ID, 83301
  • Snake River Federal Credit Union was organized as a Federally Chartered Credit Union on June12, 1953, Twin Falls, Idaho. Snake River Federal Credit Union is a well established Credit Union serving the employee’s of The Amalgamated Sugar Company, their family members and the Southern Idaho Sugar Beet Growers.
  • Idaho First Bank
  • 475 Deinhard Ln, McCall, ID, 83638
  • Idaho First Bank is a Bank with operations in fifty states. Idaho First Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, reverse, construction, credit-challenged borrower, zero down mortgage, physician loans and Good Neighbor Next Door Program mortgages
  • Farmers Bank - Idaho
  • 914 Main Street, Buhl, ID, 83316
  • The Bank will provide quality services & products in a safe & secure environment at competitive prices to our customers. The Bank will provide services & products by friendly, competent people who are well trained, adequately compensated, & treated fairly. Farmers Bank will be an active member of the community with a tradition of financial support.
  • Coconino Federal Credit Union
  • 2800 S. Woodlands Village Blvd, Flagstaff, AZ, 86001
  • Established in 1955 Coconino Federal Credit Union began in 1955 as a teachers credit union. Over the years we have grown to be the only financial institution based in Coconino County and open to everyone in Coconino County. We still use the original foundation for the credit union- People Helping People!
  • Freedom Northwest Credit Union
  • 303 Main Street, Kamiah, ID, 83536
  • Freedom Northwest Credit Union was founded in 1963 by a dedicated group of volunteers, and we operated under the name Kamiah Community Credit Union until June 2016. From very humble beginnings, guided by the vision and strong leadership of committed volunteers, we have grown to serve 12,000 members with total assets of $426 million.
  • State Bank of Southern Utah
  • 377 North Main St., Cedar City, UT, 84751
  • State Bank of Southern Utah was founded in 1957 by community leaders who saw a need for a bank to service their local financial needs. The ability to make local decisions on loans and financial services has always been at the center of the bank's culture and business model. Today, State Bank has 16 locations in 14 different cities and towns.
  • Garrett Mortgage
  • 2202 N Main St, Suite 104, Cedar City, UT, 84721
  • Garrett Mortgage offers a wide range of mortgage options to meet your financial needs and circumstances. Whether you’re a first-time property buyer or interested in refinancing your mortgage, I’m here to guide you through the process. Contact me today and learn what I can do for you.
  • Cedar Woods Financial
  • 1115 S Main Street, Cedar City, UT, 84720
  • Cedar Woods Financial, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family
  • Cochise Credit Union
  • 170 N. Haskell, Willcox, AZ, 85643
  • Cochise Credit Union was state chartered in 1958 in Willcox, AZ to serve the financial needs of Sulphur Springs Valley Electric Cooperative (SSVEC) employees and their families. Over the years the credit union has expanded their field of membership to serve the following zip codes: 85643, 85644, 85625, 85605, 85606,