USDA VS FHA in Center-Moriches, Suffolk County, NY

In 2025, the USDA loan limit in Center-Moriches, Suffolk county, NY, is $657,900, whereas for a single-family home, the FHA limit stands at $822,375.

Utilize the Lendersa® USDA loan calculator to examine today's top USDA vs. FHA rates. This tool helps you determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the most suitable program in for your financial situation.

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2025 Loan Limits and Downpayment Requirements in Center-Moriches, Suffolk, NY

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in Center-Moriches, NY

The aim of Lendersa® is to swiftly connect you with the best USDA or FHA loans, effortlessly. Choose one of three initial approaches to match with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in NY?

The USDA home loan, funded by the Department of Agriculture, is also called a USDA rural development loan or USDA mortgage, designed for rural areas specifically. In contrast with FHA loans, which require a minimum 3.5% down payment, the USDA mortgage does not necessitate any down payment at all.

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



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