USDA and FHA Pro and Con in Babylon, Suffolk County, NY
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 .
2026 Loan Limits and Down Payment Needs in Babylon, Suffolk, NY
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
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.
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.
2137 Deer Park Avenue, Suite B, Deer Park, NY, 11729
Lends in New York
We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
As a Non-Profit Credit Union, banking with MRFCU makes you a Member and an Owner. We are structured so that we can focus on bringing our members the best quality banking services and products. Being a smaller credit union helps us to focus on each of our member's needs and provide them top quality service.
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All Access Financial is a true financial marketplace offering working capital loans. We provide all types of financial options when it comes to your business, such as Working Capital Loans, Business Term Loans, Merchant Cash Advances, Lines of Credit, Equipment Financing, Commercial and Residential Loans, and SBA Loans. We understand that every bus
Dime Community Bank operates over 65 convenient branch locations across Long Island, Brooklyn, Queens, Bronx and Manhattan. We’re committed to providing exceptional service, the latest in technology and an experienced, dedicated team to help you achieve your financial goals. We offer a full range of products and services for businesses and consumer
Big Think Capital is a direct lender and financial service marketplace specializing in helping businesses find the capital they need with the best possible terms. With multiple financial options Big Think Capital will be able to guide any business owner through the financing process with ease.
201 Old Country Road, Suite 200, Melville, NY, 11747
Lends in New York
Mortgage Advantage, a member of the Advantage Group, is a leading mortgage brokerage committed to delivering personalized mortgage solutions. Formed in 1996 and headquartered in Melville, NY, Mortgage Advantage is licensed to originate loans in New York, New Jersey, Connecticut and Florida.
Planet Management Group, headquartered in Melville, New York, is managed by executives with over 100 years combined experience in mortgage servicing, credit risk management, & capital markets activity. Its default management team has over 20 years of experience in default management, loss mitigation, foreclosures, bankruptcies, and REO management.
Members Mortgage Corp. was created in 1999, specifically to provide an honest and affordable Mortgage Loan Program to NYC’s Police and Firefighter Union Members and their families as a way of giving back to those who give so much of themselves. It was received enthusiastically by the union memberships and proved to be an immediate success.
