USDA VS FHA in Brookhaven, Suffolk County, NY

In 2025, the USDA loan limit for a single-family home in Brookhaven, within Suffolk county, NY, is $776,600. On the other hand, the FHA loan cap is $1,089,300.

Utilize the Lendersa® USDA loan calculator to evaluate top USDA and FHA rates today, and identify the necessary income, creditworthiness, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side to decide which program in meets your unique financial needs best.

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Loan Limits and Downpayment Information for 2025 in Brookhaven, Suffolk, NY

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Explore USDA and FHA Loan Options in Brookhaven, NY

The mission of Lendersa® is to swiftly secure the best USDA or FHA loan route without hassle. You can select any of the three starting points to connect with matching lenders and USDA loan programs.

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Understanding the USDA Loan in NY

The USDA home loan, also known as a USDA mortgage or rural development loan, is backed by the government through the Department of Agriculture and is exclusively available in rural settings. In contrast to FHA loans which require a down payment of at least 3.5%, USDA loans require no down payment whatsoever.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Vintage Mortgage Firm
  • 41760 Ivy Street, Suite 102, Murrieta, CA, 92562
  • Vintage Mortgage Firm strives to ensure that its services are accessible to people with disabilities.Vintage Mortgage Firm has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities,with the belief that every person has the right to live with dignity,equality
  • Christiansen Capital
  • 25185 Madison Ave Ste. A, Murrieta, CA, 92562
  • Christiansen Capital is a trust deed investment firm and hard money lender conveniently located in Murrieta, California. Christiansen Capital has been assisting clients obtain “non-conventional” financing since 2005. Christiansen Capital was created to be the conduit between borrowers who can actually obtain conventional financing.
  • The Mortgage Pros Funding, Inc
  • 4199 Flat Rock Road, Suite 116, Riverside, CA, 92505
  • 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.
  • Certys Financial Inc.
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  • Certys Financial Inc (NMLS #1096493) is a mortgage company serving the states of California, Texas, and Pennsylvania. We use the latest technology such as electronic signing (E-Sign) and paperless processing to ensure minimum effort on your part and speedy processing on ours. Our regard for your financial well being won't allow us
  • Campbell Financial Services, Inc.
  • 4181 Flat Rock Drive, Suite 250, Riverside, CA, 92505
  • Since 1989 Campbell Financial Services has continued with one purpose in mind: To meet the needs of our clientele by providing a full array of lending options in an efficient, straight-forward manner. We know you’re busy and that your time is important, and we’re committed to being your lending expert!
  • Inland Capital Finance
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  • Inland Federal Credit Union
  • 570 Broadway, El Cajon, CA, 92021
  • "Inland Federal Credit Union has a rich history of service to the Catholic Community in the San Diego area. Although our charter is dated November 3, 1960, we have been, in some form, functioning as a Credit Union since the early 1950's. Our Credit Union is a member owned, not-for-profit organization whose objective is to meet"
  • Community 1st Credit Union WA
  • 955 Ross Loop, Suite 100, Dupont, WA, 98327
  • At Community 1st Credit Union you’re a member-owner, not a customer. And unlike a bank, you share in the collective earnings through preferred rates, limited fees and advancements in financial services. We’re committed to a community-based service to help ensure a more prosperous future for our families and communities.
  • America's Credit Union
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  • ACU is a not-for-profit credit union. Unlike traditional banks, we don’t issue stock or pay dividends to outside stockholders. Instead, we are owned and operated by our members — and all profits are returned to our membership. This allows us to offer lower loan rates, higher interest returns on deposits.
  • Griggs Mutual Realty & Management
  • 6080 Hamner Avenue, Suite 103, Eastvale, CA, 91752
  • At Griggs Mutual Realty & Management, the ultimate goal is to create lasting relationships with each and every client and to continue providing excellent service for many years to come. The Griggs Mutual Realty & Management Team is your premier mortgage company located in Eastvale, California.
  • eQuest Realty & Mortgage
  • 1967 Greenview Rd, Escondido, CA, 92026
  • We offer professional, experienced buyer and seller representation and/or financing for our clients' residential real estate transactions. In addition, we offer property management services, unmatched in the industry! Whether you are a first-time homebuyer or a seasoned investor, we are here to help! In addition to excellent
  • True North Realty and Lending
  • 2044 La Brea Street, Escondido, CA, 92026
  • We are a team of knowledgeable & professional Realtors with an in-house wholesale Loan Originator to fit you with the best home & loan for your needs. Juan Pérez is a Certified Residential Specialist with over 12 years of experience of helping local clients sell homes.He achieved success due to his commitment to providing beautiful homes in Sussex.