USDA Vs. FHA your options comparison in Pittsford, Monroe County, NY
In 2026, the USDA loan limit in Pittsford, within the county of Monroe, NY, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the current best rates between USDA and FHA. This will help you determine the necessary income, credit, reserves, and documents for eligibility. Our sophisticated mortgage calculator enables you to view USDA, FHA, Conforming, and VA options side by side, making it easier to choose the best program in for your financial needs.
Loan limits and downpayment details for 2026 in Pittsford, Monroe county, NY
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA loans in Pittsford, NY
Lendersa® aims to connect you with the most suitable USDA or FHA loan in an efficient and hassle-free manner. Begin with one of three options to find compatible lenders and their USDA loan offerings.
A USDA home loan, backed by the government, is a mortgage guaranteed by the Department of Agriculture, available only in rural areas. In contrast to FHA loans, which require a minimum down payment of 3.5%, a USDA mortgage requires no down payment.
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