USDA and FHA Pro and Con in Perinton, Monroe County, NY

In 2025, the USDA loan maximum in Perinton, Monroe county, NY is $336,500. For a single-family house, the FHA limit is $472,030.

With Lendersa® USDA loan calculator, you can compare today's top USDA against FHA rates, checking the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA programs side by side, helping you choose the best program in for your financial needs.

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Loan Limits and Down Payment Requirements in Perinton, Monroe County, NY for 2025

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 Options in Perinton, NY

The aim of Lendersa® is to swiftly connect you with the best USDA or FHA loans, completely hassle-free. Begin with one of three options to match with lenders who provide USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

The USDA home loan is backed by the Department of Agriculture, often referred to as USDA rural development loan or USDA mortgage, and is exclusively for rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages need no down payment whatsoever.

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



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  • ACIPCO Federal Credit Union is a member-owned, not-for-profit, financial cooperative. Since 1964, we've been serving members with low-cost financial services designed to help them enjoy a better way of life. Credit Union is a member-owned, not-for-profit, financial cooperative. Since 1964, we've been serving members with low-cost financial
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