USDA Vs. FHA Pro and Con comparison in Bay-Shore, Suffolk County, NY
For 2025, the USDA loan limit in Bay-Shore, located in the county of Suffolk, NY, stands at $657,900. In contrast, the FHA limit for a single-family home is $822,375.
To compare today's USDA and FHA best rates, utilize Lendersa® USDA loan calculator. This tool helps determine the necessary income, credit score, reserves, and documents for qualification. Our cutting-edge mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side, assisting in selecting the most suitable program for your financial situation in .
2025 Loan Limits and Down Payment Requirements for Bay-Shore, County of Suffolk, NY
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Explore USDA and FHA Loan Options in Bay-Shore, NY
Lendersa® aims to secure the most favorable USDA or FHA loan for you efficiently and without stress. Choose from three starting points that will align with lenders and the USDA loan initiatives.
A USDA home loan is backed by the government, specifically by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. It's available only in rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, the USDA loan does not necessitate any down payment.
820 North Parton Street, Suite 2, Santa Ana, CA, 92701
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.
600 W. Santa Ana Blvd. STE 114A, Santa Ana, CA, 92701
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4620 SE International Way, Suite 105, Milwaukie, OR, 97222
Cutting Edge Federal Credit Union was originally chartered in 1953 by ten volunteers who believed that a credit union would benefit the employees of Chipper Chain. After starting as Chipper Chain FCU, our name has changed, first to Omark FCU, then Blount FCU before becoming Cutting Edge FCU in 2002.
Reliable Credit Association, Inc. is an independently owned and operated consumer finance company. We were incorporated in 1958 under the laws of the state of Oregon when a retired U.S. Army Captain founded the company with the support of his father, mother, and wife. In 1994, the shareholders of Reliable Credit Association, Inc.
5948 Temple City Boulevard, Temple City, CA, 91780
Provident Funding is a nationwide direct mortgage lender and servicer. Founded in 1992, we have created a customer-oriented culture with an experienced team of highly trained mortgage experts. We provide mortgage solutions for all of your refinance and home purchase needs. we have maintained a firm commitment to a low-cost business model
5954 Temple City Boulevard, Temple City, CA, 91780
Comres Mortgage was founded in 2013 and is headquartered in Hacienda Heights, CA. Our dedicated mortgage team specializes in competitive interest rates and concierge customer service. Comres Mortgage was created to service the community and to help them navigate through the entire loan process—with a personal touch.
1501 N. Harbor Blvd, Suite 205, Fullerton, CA, 92832
At RiverGold Financial Services Inc. We are 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 loan products to meet your individual requirements. We make the process of securing a mortgage simple
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