USDA Vs. FHA your options comparison in Riga, Monroe County, NY

In 2026, the USDA loan limit in Riga, found in the county of Monroe, NY, is set to $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.

Leverage the Lendersa® USDA loan calculator to assess the top USDA and FHA rates available today, determining the necessary income, credit score, reserves, and documentation required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you decide on the most suitable program for your financial situation in .

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Loan Limits and Downpayment Requirements for 2026 in Riga, Monroe County, 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 Options in Riga, NY

The aim of Lendersa® is to efficiently secure the best USDA or FHA loan without hassle. Begin with one of three starting points that connect you with compatible lenders and USDA loan opportunities.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, secured by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is designated for rural areas only. Unlike FHA loans that require at least a 3.5% down payment, USDA loans come with no down payment requirement.

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



  • The Hicksville Bank
  • 144 E. High Street, Hicksville, OH, 43526
  • Shortly after the turn of the century, prominent citizens of Hicksville saw the need for a bank for the community. Upon application, a charter was granted to Mr. J.M. Ainsworth, Mr. I.M. Boone, and Mr. J.L. Bevington. The bank was organized under "The Hicksville National Bank" in October of 1901.
  • Grand Trunk (Battle Creek) Employees Federal Credit Union
  • 1275 North Raymond Road, Battle Creek, MI, 49014
  • Grand Trunk (Battle Creek) Employees Federal Credit Union was founded in January of 1945 by a group of railroad employees of the Grand Trunk Western Railroad Company. The purpose was to provide financial services to railroaders and their families. Membership quickly grew to 70 members in the first two months of operating
  • Kellogg Community Credit Union
  • 41 2nd St, Battle Creek, MI, 49014
  • Kellogg Community Credit Union, headquartered in Battle Creek, Michigan is a full service financial institution serving people who live, work, worship, or attend school in Greater Southwest Michigan. With more than $795 million in assets and over 47, 000 members through 13 branches in Battle Creek, Kalamazoo, Portage, Three Rivers, Marshall
  • Chivaho Federal Credit Union
  • 190 North Bridge Street, Chillicothe, OH, 45601
  • The mission of Chivaho Federal Credit Union is to provide opportunities to build member wealth and security through affordable financial services, creating a stronger community. Chivaho is a non-profit organization owned and operated by its members. The birth of the Credit Union began with seven members contributing $5.00 each
  • Homeland Credit Union
  • PO Box 1974, Chillicothe, OH, 45601
  • Homeland Credit Union. Homeland has provided financial services to generations of families. While we are proud of our past, we are excited about the opportunity to serve you and your family now and into the future."Credit Union. Homeland has provided financial services to generations of families.
  • Gorham Savings Bank
  • 64 Main St, Gorham, ME, 04038
  • We are a community bank focused on doing what’s best for our customers -- whether it’s providing a new service that works for more people, or taking the time to ask what more we can do to help. We offer every convenience for banking off-site or on-line, but never, ever compromise on personal attention.
  • Casco Federal Credit Union
  • 375 Main St, Gorham, ME, 04038
  • Casco Federal Credit Union is a not-for-profit financial institution that is proud to be member-owned and locally operated. With over 60 years of service in Southern Maine, we've helped tens of thousands of our neighbors build the lives they want and deserve. From opening your first Checking Account, to financing your first home.
  • D & D Mortgage Corporation
  • 8275 Holly Ridge Rd, Mechanicsville, VA, 23116
  • D & D Mortgage Corporation was founded in 1998 with its' owner, Keith E. Durgin, having over 20 years Mortgage Banking experience.The Company specializes in all aspects of Purchase and Refinance Mortgage loans for Primary Residences, Second Homes, Vacation Homes and Investment Properties.
  • Brightleaf Mortgage LLC
  • 8678 Oakham Drive, Mechanicsville, VA, 23116
  • Brightleaf Mortgage, we take a consultative approach to the home loan process by customizing each transaction to help our customers achieve their home financial goals. Any loan officer can get you a loan. Our mission is to get you the right loan for your Richmond, Virginia home.Integrity is the cornerstone of Brightleaf Mortgage.
  • Ohio Valley Bank
  • 420 Third Avenue, Gallipolis, OH, 45631
  • 16 offices in southern Ohio and western West Virginia. The bank is headquartered in Gallipolis, Ohio and is a subsidiary of Ohio Valley Banc Corp. Ohio Valley Bank is credited for many banking ""firsts""​ in its region. The bank was the first in Gallia County to offer ATMs, in-store branches, banking on Sunday and most holidays, internet bank
  • Partners Financial Federal Credit Union
  • 1200 New York Avenue, Glen Allen, VA, 23060
  • Partners Financial Federal Credit Union began as Richmond Federal Employees’ Federal Credit Union (later changed to Richmond Federal Credit Union) on May 23, 1958. At the time, membership was limited to employees of the U.S. Government who worked in or who were headquartered in Richmond.