In 2026, the USDA loan limit in Centereach, within the county of Suffolk, NY, is $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.
Leverage the Lendersa® USDA loan calculator to compare today’s top USDA versus FHA rates and determine the income, credit, reserves, and documents required to qualify. Our sophisticated mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, helping you identify the best fit for your financial situation 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% |
Lendersa® aims to efficiently connect you with the best USDA or FHA loans available. Start by selecting one of three paths that lead you to matching lenders and USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. Available solely in rural areas, USDA loans differ from FHA loans, which require a 3.5% down payment, as they need no down payment, offering a significant advantage to eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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