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

In 2026, the USDA loan limit for Rush in Monroe County, NY, is established at $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today’s best USDA versus FHA rates, and determine the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping you identify which program in best matches your financial situation.

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2026 Loan Limits and Downpayment Requirements in Rush, Monroe, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Rush, NY

The goal of Lendersa® is to quickly secure the best possible USDA or FHA loan without hassle. Choose one of three starting points to engage with matching lenders and explore USDA loan programs.

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What is a USDA Loan in NY?

A USDA home loan, backed by the Department of Agriculture, also termed a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage demands no down payment at all.

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



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