USDA Vs. FHA Pro and Con comparison in Central-Islip, Suffolk County, NY
In 2026, the USDA loan limit in Central-Islip, county of Suffolk, NY, is set at $657,900. For a single-family home, the FHA limit is recorded as $822,375.
Utilize the Lendersa® USDA loan calculator to compare today’s prime USDA versus FHA rates and determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you find the best program for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Central-Islip, County of Suffolk, NY
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Options in Central-Islip, NY
Lendersa® is committed to securing the best USDA or FHA loans quickly and hassle-free. Begin by choosing one of three paths to connect with matching lenders and the right USDA loan programs.
A USDA home loan, insured by the Department of Agriculture and often referred to as a USDA rural development loan or mortgage, is specifically accessible in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages demand no down payment, offering a valuable benefit for qualified buyers.
1377 Motor Parkway, Suite 100, Hauppauge, NY, 11749
Lends in New York
Summit Funding Solutions Offers the Financing That You Need, Summit Funding Solutions in a national name in commercial finance and business loans. Whether you are starting a new business or have an established company that needs capital, we offer a wide range of products and services to meet your needs.
Founded in 1940 as the Pan American World Airways Credit Union, PAFCU currently serves 40, 000 employees of over 400 different companies throughout the United States. At PAFCU, there are no customers—everyone is a member and owner of the credit union and receives friendly, respectful service from the staff
250 Veterans Memorial Highway, Suite 5A9, Hauppauge, NY, 11788
Lends in New York
The Long Island Alliance Federal Credit Union has been in existence since 1938. We started out as the New York Highway Engineers Federal Credit Union and in the early sixties expanded our field of membership to include all New York State Employees who live and work on Long Island.
527 Townline Road, Suite 305, Hauppauge, NY, 11788
Lends in New York
Lighthouse Mortgage Founder/President. Brokered in excess of $600 million in real estate loans, commercial and residential. Hired and trained a staff of 20 sales people and 5 support staff. Developed program to expedite loan process from initial borrower contact through appraisal, underwriting and closing ensuring quick turnaround time.
Island Federal Credit Union, headquartered in Hauppauge, N.Y., is a not-for-profit, full-service financial institution, providing affordable banking products and services to Long Islanders. Founded in 1955, Island has grown to be among the top-performing credit unions in New York State with over $1 billion in assets, serving more than 45, 000
Our team is local to Long Island, and as CPA’s we make sure we get you the loan product that makes the most financial sense for you. We curate a process that is tailored to you and explain where every cent of your money goes because we always do the right thing by our clients. Take advantage of our historically low rates, refinance.
Coltrain Funding Group LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
Our mortgage rates have consistently been some of the most competitive in New York, if not the lowest. Our success is based upon our strong level of commitment to our clients. We take the time to get to know you through personal attention and communication.We remember that we work for YOU, not the other way around.
Mortgage broker based in Long Island, New York who prides themselves on their transparency, accountability, and ability to provide a "Nordstrom" experience with the efficiency of a "Ford" assembly line. RCG works with all clients, no matter what their financial goals may be.RCG Mortgage is your online resource for personalized mortgage solutions.
