In 2026, 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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
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.
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?
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