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