In 2026, within the county of Suffolk, NY, the USDA loan limit for Centerport is $776,600, compared to the FHA limit for a single-family home, which is $1,089,300.
Use the Lendersa® USDA loan calculator for a comparison of today's best USDA vs FHA rates, and find out the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in suits your financial needs best.
2026 loan limits and down payment needs in Centerport, Suffolk county, NY
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Centerport, NY
Lendersa®'s goal is to connect you with the most suitable USDA or FHA loan options quickly and efficiently, without any hassle. Choose one of three starting methods to find lenders and USDA loan programs that match your needs.
The USDA home loan is a government-backed program offered by the Department of Agriculture, known as the USDA rural development loan or USDA mortgage. It is exclusively available for rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage does not require any down payment.
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