USDA Vs. FHA your options comparison in Blue-Point, Suffolk County, NY
As of 2025, the USDA loan limit for Blue-Point, situated in Suffolk, NY, is $657,900, while the FHA loan limit for single-family homes is $822,375.
Utilize the Lendersa® USDA loan calculator to assess the top USDA vs FHA rates currently available, and determine the necessary income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program in for your specific financial scenario.
Loan Limits and Down Payment Needs for 2025 in Blue-Point, Suffolk, NY
Loan Type
Limit
Downpayment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Explore USDA and FHA Loan Alternatives in Blue-Point, NY
The goal of Lendersa® is to efficiently provide you with optimal USDA or FHA loans, free of complications. Choose one of three starting points to connect with matching lenders and USDA loan offerings.
A USDA home loan is guaranteed by the government's Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, and is available solely in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgage loans do not require any down payment at all.
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