USDA Vs. FHA Pro and Con comparison in Rochester, Monroe County, NY
In 2025, 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 .
2025 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.
CVM knows the complexities and moving parts that come with each real estate transaction. The Clear View Mortgage team has put the right people in place in help make financing stress free and efficient. Real Estate is a hands on service/experience. Bill and his team are dedicated to making sure that each and every client.
The Carver Group, Inc. is built on a foundation of integrity and trust. We are committed to providing you a high level of customer service as well as a competitive mortgage loan product that is structured for your individual need. We make the process of securing a mortgage straight forward and we guide you through the entire loan process.
3416 Via Oporto, Suite 301, Newport Beach, CA, 92663
Blackhawk Capital Group is an independent, licensed, full-service Real Estate Brokerage with Residential and Commercial acquisition funding facilities. Since 2005, Blackhawk Capital Group has served as a lead underwriter of both Commercial and Residential Real Estate backed transactions.
Southern California Mortgage, where we specialize in residential mortgages. At Southern California Mortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
625 Kings Road, Suite 850, Newport Beach, CA, 92663
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.
414 31st Street, Suite B, Newport Beach, CA, 92663
NAL Financial Team is located in Newport Beach, California, and proudly serves homeowners and homebuyers throughout California and Colorado. We believe the key to our success has always rested on three main principles: honesty, timeliness, and competitive pricing. As mortgage brokers, we are able to offer our clients a variety of products.
1545 Victory Boulevard, Suite 101, Glendale, CA, 91201
Regal Equity Source, Inc, our professional mortgage consultants can help you find the right mortgage tailored for you. We recognize that mortgages are not a one size fits all type of product as everyone has different needs and goals in life. The array of mortgage products that we offer allows us to help you put you on the right pathway.
6618 San Fernando Road, Unit 209, Glendale, CA, 91201
Fidelity Funding Loans we understand that you are making one of the most important financial decisions and commitments of your life and we will guide you along the way to find the best product with the lowest rate tailored to your specific need. Whether you’re purchasing your first home, investing in a vacation home, buying an investment property.
18923 Soledad Canyon Rd, Canyon Country, CA, 91351
"Capital Home Sales is committed to providing exceptional service with integrity, honesty, knowledge and professionalism.
Our services include:
- Loan Modification
- Refinance
- Home Loan
- Short Sale
- Purchase of a Home
- Sale of a Home
- List of REO Properties
- List of Short Sale"
6730 Florence Avenue Suite 101, BELL GARDENS, CA, 90201
RGC Capital Inc is a commercial and private money lending firm providing alternative financing for non-bankable clients. Our nationwide lending platform allows financing for residential investment properties and all types of commercial assets.
With over 35 years of lending experience and over 3000 closed transactions, we have earned a successful
