USDA Loan Vs. FHA loan for Babylon, NY 2026

In 2026, the USDA loan maximum in Babylon within Suffolk, NY is $776,600, whereas the FHA limit for a single-family home is $1,089,300.

The Lendersa® USDA loan calculator compares the best rates between USDA and FHA loans, helping determine the needed income, credit, reserves, and documentation for qualification. With this advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side to choose the best option for your financial needs in .

Options for USDA and FHA Loans in Babylon, NY

Lendersa® aims to help you quickly secure the best USDA or FHA loan without hassle. Choose one of three starting points to connect with lenders and USDA loan programs that fit your needs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, guaranteed by the Department of Agriculture—also known as a USDA Rural Development Loan or USDA mortgage—is available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.

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(214) 500-5419 Lender's profile and map Reviews Spragins Mortgage Group. 5408 W Plano Pkwy, Plano, TX, 75093 "Spragins Mortgage Group \| GW Home Loans is a leader in the mortgage industry. We strive to put every client first in helping you with any of your residential home loan needs. We have been in the mortgage industry for over 10 years & with our expertise and we are sure we can find you what you need. Thank you for visiting Spragins Mortgage Grou
(972) 312-9100 Lender's profile and map Reviews Independent Financial 2701 Dallas Parkway, Suite 100, Plano, TX, 75093 Independent Financial provides a wide range of relationship-driven banking products and services tailored to meet the needs of businesses, professional organizations, community groups and entrepreneurs, as well as busy families. OUR MISSION: Delight our customers with personalized financial solutions, uplift our communities with financial.
(972) 849-0987 Lender's profile and map Reviews KT Mortgage Inc 1400 Preston Rd, Suite 400, Plano, TX, 75093 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
(855) 818-2800 Lender's profile and map Reviews First Lending 4888 Dexter Drive, Suite 100, Plano, TX, 75093 We are committed to help borrowers understand their options for real estate financing and making solid financial decisions. In the past 15 years, we helped tens of thousands of our customers to finance their home with favorable terms and low costs. We offer wide range of programs for all customers
(972) 525-4777 Lender's profile and map Reviews Wildcat Lending 4800 Dexter Dr, Plano, TX, 75093 Wildcat Lending is a leading private money lender also known as a hard money lender. We produce fast, reasonable, secure real estate loans that enable you to close quickly on residential investment properties. Wildcat Lending offers real estate financing that avoids the time-consuming process and requirements of conventional lenders.
(972) 989-1277 Lender's profile and map Reviews Nortex Mortgage CO. 1820 Preston Park Blvd, Plano, TX, 75093 The Nortex Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available.
(214) 412-9118 Lender's profile and map Reviews WILLOW BEND MORTGAGE COMPANY, LLC 5800 W. Plano Pkwy, Suite 105, Plano, TX, 75093 We offer the best mortgage tools available on the Internet – easy, convenient online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
(214) 425-0589 Lender's profile and map Reviews Great Western Financial Services, Inc 5408 W. Plano Parkway, Plano, TX, 75093 Great Western Financial Services, Inc company prides itself on its collaborative culture and passion in its role in the home buying experience. Through innovation in technology and experience we provide steady guidance along the journey to home ownership.As a family-owned business.
(972) 964-5100 Lender's profile and map Reviews Almega Mortgage 2301 Ohio Drive, Ste 138, Plano, TX, 75093 Almega Mortgage, we know that each customer has specific mortgage needs, so we strive to meet those specific needs with a wide array of mortgages combined with quality service and individual attention. Though we are based in Plano, we routinely serve clients in Allen, Frisco, Carrollton, Richardson, Garland, and the rest of the Dallas metroplex.