USDA and FHA Pro and Con in Rochester, Monroe County, NY
In 2026, the USDA loan cap for Rochester in the county of Monroe, NY is set at $336,500, whereas for a single-family home, the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare the best USDA and FHA rates today. It also helps determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide the best program for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Rochester, Monroe County, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Lending Choices in Rochester, NY
Lendersa® is dedicated to securing for you the best USDA or FHA loan promptly and without complications. Choose from one of three initial steps that lead to compatible lenders and USDA loan programs.
A USDA home loan, underwritten by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is limited to rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, a USDA mortgage does not demand any down payment.
Comunidad Latina Federal Credit Union (CLFCU) is a not-for-profit financial institution serving the community of Santa Ana, California. To qualify for membership you may live, work, worship or attend school in the city of Santa Ana or through an immediate family member that is currently a member.
Prestamo Mortgage Corp is fully licensed for FHA, FANNIE MAE, FREDDIE MAC AND PRIVATE/HARD MONEY mortgages. Prestamo Mortgage Corp offers: Prime, Alt-A, Non-QM and Asset based mortgage options. The company’s founders have overs 20 years of combined experience in the Mortgage and Real Estate industries.
Camino Federal Credit Union has been caring for the financial needs of our community. Originally named Montebello Schools Federal Credit Union, our history began with service to employees of the Montebello Unified School District. Today, we are proud to serve members from every industry, background, and age group.
3327 West Beverly Boulevard, Montebello, CA, 90640
HL Home Loans offers multiple programs to help home buyers obtain the financing they need. Specializing in FHA loans and VA loans, we are sure to find you the best California mortgage rate available for your specific situation. We offer low to no down payment options and flexible repayment terms such as fixed rate mortgages
2305 Historic Decatur, Suite 100, San Diego, CA, 92106
Merchants Home Lending opened to serve the active and retired military personnel in the State of California. With 50 combined years of experience, Merchants has assisted over 1800 military families purchase a home. Merchants is a proud sponsor of the Wounded Warriors Project and USO.
Gail Faber, an award-winning, NMLS licensed mortgage agent and has more than 18 years’ experience in the industry. She exceeds client expectation by providing excellent customer service. Her strong background in escrow and processing makes her unique as she can provide a faster, more efficient, and easier approval process for her clients.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
2468 Historic Decatur Road, Suite 160, San Diego, CA, 92106
"For over 35 years, San Diego Funding has remained one of San Diego’s most respected and trusted mortgage lenders, serving the lending needs of homebuyers, real estate professionals, and builders.
San Diego Funding is a full-service mortgage lender with access to a wide array of loan products to meet every situation. "
422 Rosecrans Street, Suite 14, San Diego, CA, 92106
Nationwide Construction Loans is approved with all of the major banks and Investors As A Consultant. Our 30 plus years of experience and reputation along with our nationwide construction loan volume, has allowed us to develop strong relationships with all of our lenders over the years.
