USDA Vs. FHA your options comparison 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.
The Spencerport Federal Credit Union was founded in 1962 by a small group of members, and it has grown each year, continually improving its services, through the dedication and volunteer work of many of its members. Originally founded to serve the employees of the Spencerport School District, SFCU was granted a small Community Charter in 2006.
The Summit has one of the highest employee retention rates in the industry. It truly cares about its employees, helping them to achieve their personal and professional goals. At The Summit, we are committed to creating an inclusive professional environment where individual differences are respected and valued.
St. Pius X Church Federal Credit Union has been open since 1967. The credit union has assets totaling $94.07 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
Rochester Area State Employees Federal Credit Union
2300 Buffalo Road, Building 400B, Rochester, NY, 14624
Lends in New York
Rochester Area State Employees Federal Credit Union has been open since 1935. The credit union has assets totaling $18.05 Million. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves federal, state, and local government employees.
In 1964, seven teachers in the Gates Chili school district started the credit union, originally named Gates Chili School District Federal Credit Union. The Gates Chili Federal Credit Union is a full-service, financial cooperative that offers a broad range of financial products and services to our members.
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.
Westside Community Federal Credit Union is now serving the communities of Chili, Churchville, Ogden, Riga and Sweden. Also included are spouses of persons who died while within the field of membership of this credit union, persons retired as pensioners or annuitants from the above employment, members of their immediate family or household,
The Greece Community Federal Credit Union was Chartered in 1958 under the name of Greece Central School District Credit Union as a State Chartered Credit Union to serve the employees of Greece Central School District. The first Board Meeting was held on September 22, 1958 reporting assets of $36.00.
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.
