USDA Vs. FHA Pro and Con comparison in Spencerport, Monroe County, NY
In 2025, 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 2025 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.
There are some situations where you might need some extra money than you have in your hands. The professional team at Money Services can help you by providing comprehensive loan services.and also Money services Inc. provides second chance loans, cash express and cash finance to the Tulsa, OK, area.
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Vast Bank prides itself in being one of the few remaining independent banks in the Tulsa area with completely local ownership and management.We offer a full array of both personal and commercial banking products, competitively priced with the marketplace. Most importantly, Vast Bank is committed to offering our customers a level of personal service
Sharp Mortgage Company is the leader in investment property loans throughout the Tulsa area. We offer low upfront costs, prompt decisions regarding your loan and most importantly, personalized service every time you call or visit our office We genuinely believe our investor clients improve the Tulsa neighborhoods.
The Mabrey family has been involved with the bank for four generations, providing steady leadership to this well-known independent community bank. With 15 locations throughout Oklahoma the bank is staffed by more than 260 professionals, provides financial services to more than 25,000 customers and maintains assets totaling more than $1.5 billion.
We’re a financial services partner for consumers, businesses and wealth clients alike. While our origins are humble, we’ve grown alongside our clients for more than a century. We have unwavering confidence in our ability to build strong relationships, provide diverse expertise and services, and invest in the communities we serve.
Today Lending team; we are excited about providing clients with the best mortgage options, combined with the lowest rates available. The outstanding mortgage professionals here will work with you one-on-one, to ensure that you get a mortgage that is tailored specifically to meet your home loan needs. Whether you are purchasing your dream home.
The bank was opened in 1963 with the name First National Bank of Turley, by a group of investors that included John Smith. Mr. Smith saw the need in the community to have a local bank & 50 years later, the Smith family continues to serve the local community. In 1991, the bank became a state charter bank & changed its name to First Bank of Turley.
Triad Bank was founded in 1983 by a group of local professionals who call this community home and champion the people and businesses that are rooted here. Today we’ve grown to more than 30 employees. As a small, local business, we know what it takes to promote the success of other small business ventures, and we are here to help you make it happen.
