USDA Vs. FHA your options comparison 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.
The Upstate National Bank is a nationally-chartered community bank headquartered in Rochester, NY focusing on providing a safe and secure environment for clients to transact, invest and borrow while simultaneously enabling and enhancing community prosperity and growth in the markets we proudly serve.
Powers Funding headquarters is located in the Powers Building in the heart of Rochester, NY banking and commerce center. Mark is firmly established in the community with years of experience working with firms in the fields of construction, manufacturing, food services and service related businesses.
Tompkins Lending is a mortgage broker / direct lender serving Greater Rochester and Monroe County. Tompkins Lending is spearheaded by Tim Tompkins, the sole decision maker, and is typically able to provide a fast answer without an appraisal or engineer’s inspection, saving our clients time and money.
ESL Federal Credit Union serves as a full-service financial institution to more than 384, 000 members and 13, 200 businesses. The company provides personal, business banking, mortgage services and wealth management services through its locally-based 23 branch network, telephone, mobile, online and live chat center.
Genesee Co-op Federal Credit Union provides a broad range of affordable, quality services to increase the financial skills and wealth of our member-owners. We are responsive to the needs of our community. We are committed to social inclusiveness. We are dedicated to responsible community development and education.
At HAUS Capital, we understand that everyone’s situation is unique. Our flexible and innovative mortgage products allow us to tailor a mortgage solution customized for you and your family.Sam DiPiano, President and CEO of HAUS Capital Corporation has been in the Mortgage industry since the early 2000s.
Normandy's financial strength along with common sense decision making, allows for a flexible and stream-lined loan process, resulting in quality service and an experience that benefits Normandy's customers.
We offer a full line of Mortgage Loan Products specializing in residential and commercial construction loans. We have funded over $800 Milli
Ukrainian Federal Credit Union is insured by the National Credit Union Administration and offers personal and business financial services including savings and checking accounts, share certificates, loans, mortgages, VISA credit and debit cards, wire transfers, and online and mobile banking.
The mission of Focus First FCU is to ensure that our members think of us first for their financial needs. We do this through equal treatment of all our members, quality service & a variety of products offered at competitive rates. A credit union is a not-for-profit financial cooperative that is owned and democratically controlled by its membership.
