USDA and FHA Pro and Con in Spencerport, Monroe County, NY
In 2026, the loan limit for USDA in Spencerport, found in Monroe, NY, is set at $336,500, contrasting with the FHA limit for a single-family home being $472,030.
Utilize the Lendersa® USDA loan calculator to compare the most competitive rates between USDA and FHA loans today. Determine the required income, credit, reserves, and documents essential for qualification. Our advanced mortgage calculator enables you to see, side by side, USDA, FHA, Conforming, and VA offers, guiding you in selecting the best program for your financial plans in .
Loan Limits and Down Payment Requirements for 2026 in Spencerport, 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 Spencerport, NY
The aim of Lendersa® is to efficiently secure the best USDA or FHA loan for you. Choose one of the three starting paths to find matching lenders and access USDA loan programs quickly.
The USDA home loan, backed by the U.S. Department of Agriculture, commonly known as the USDA rural development loan or USDA mortgage, is specifically for rural areas. Unlike FHA loans that necessitate a minimum down payment of 3.5%, USDA loans require no down payment, providing a significant advantage for eligible applicants.
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