As of 2026, the USDA loan maximum in Bayport, within the county of Suffolk, NY, is set at $776,600, whereas the FHA limit for a standard single-family home stands at $1,089,300.
To evaluate the most competitive USDA versus FHA rates today, utilize the Lendersa® USDA loan calculator. This tool assists in uncovering the income, creditworthiness, savings, and necessary documents for qualification. Our advanced mortgage calculator grants you a simultaneous view of USDA, FHA, Conforming, and VA loans, so you can determine which program in fits your distinct financial needs.
Overview of 2026 loan limits and down payment criteria in Bayport, Suffolk, NY
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Available USDA and FHA loan options in Bayport, NY
At Lendersa®, our mission is to swiftly facilitate the acquisition of the ideal USDA or FHA loan with minimal complexity. Choose from three different initial pathways to match with lenders and USDA loan schemes.
The USDA home loan, backed by the governmental Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural regions. Unlike FHA loans which entail a minimum 3.5% down payment, the USDA mortgage does not necessitate any down payment.
Louisiana Federal Credit Union has been open since 1935. It's the 11th largest credit union in Louisiana with assets totaling $473.99 Million and providing banking services to more than 36, 000 members.
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Community Development Bank was founded in 1906 and purchased by three non-profit Community Development Corporations in 2001. A for-profit financial institution owned by non-profit Community Development Corporations is very unique and brings significant economic development resources to the communities we serve
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Labette Bank is a trustworthy community bank that serves the people and businesses of Southeast Kansas.
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