USDA Vs. FHA Pro and Con comparison in Wheatland, Monroe County, NY
For 2026, the USDA loan cap in the city of Wheatland, within Monroe, NY, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to assess today’s USDA versus FHA rates, determining the necessary income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program in for your financial situation.
2026 Loan Limits and Down Payment Details in Wheatland, 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 Choices in Wheatland, NY
The primary objective of Lendersa® is to promptly secure you the finest USDA or FHA loan with minimal hassle. Select from three starting points to connect with lenders and USDA loan programs.
A loan guaranteed by the U.S. Department of Agriculture, typically referred to as a USDA rural development loan or mortgage, is accessible solely in rural communities. Unlike FHA loans requiring at least 3.5% down payment, USDA mortgages require no down payment whatsoever.
First Security Bank is a local, family owned bank that is a proud supporter in helping customers achieve financial success and freedom. We are passionate about the community in which we live and work and strive to pay it forward and make a positive impact to better the lives of others.
MBC/Foundation Bank desires to foster a financial community where needs are met, relationships are built and loyalty is earned. We exist as a tool to invest in those things that will outlive us. We are a Family-Owned, Relationship-Building, Service-Oriented, Forward-Thinking Financial Solutions Provider.
Traditional Home Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
Western Bank has been committed to servicing our customers & the local community for over 100 years. As a hometown bank with local decision-making, we are dedicated to producing & offering to our community a wide range of banking services of exceptional value. Utilizing talented, knowledgeable employees & quality, highly accurate delivery systems.
County Bank is an Iowa chartered bank first organized in 1884 in Sigourney, Iowa. Currently County Bank’s main office is on the southeast corner of the Square in Sigourney with locations in Deep River, Gibson, Hartwick, Montezuma and Williamsburg.
County Bank has a strong commitment to the communities we serve.
NAECU was established in 1955 to serve employees of the local Huntsville educational community and has expanded over the years. The credit union now serves over 10,500 members and has accumulated over $82,000,000 in total assets. NAECU follows the philosophy of "Not for Profit, not for Charity, but for Service".
At Merit Bank, our mission is to empower employees to think and serve our customers with an ownership mentality so that we may always stay true to our name.
To receive more information about Merit Bank or any of our services, please call us at 256-692-8700, To call a branch directly, please visit the Locations page for branch numbers.
Founded in 2005, Bryant Bank proudly operates 18 branches located in five of the six largest metropolitan markets in the state of Alabama: Huntsville, Birmingham, Tuscaloosa, Mobile, and Baldwin County. We offer personal, business, and mortgage banking services as well as Treasury Management Services, Correspondent Banking, and Capital Markets.
