FHA Vs. USDA loan program for Cold-Spring-Harbor, Suffolk County, New York

For 2026, the USDA loan limit in Cold-Spring-Harbor, in the county of Suffolk, NY, is $657,900, while the FHA loan limit for a single-family home is set at $822,375.

Leverage the Lendersa® USDA loan calculator to evaluate today's most competitive USDA versus FHA rates and identify the necessary income, credit, reserves, and documentation to qualify. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side-by-side, guiding you to choose the most suitable program in for your specific financial situation.

Explore USDA and FHA Loan Offers in Cold-Spring-Harbor, NY

Lendersa® aims to quickly secure you the best USDA or FHA loan options, free from hassle. You have three initial choices to connect with suitable lenders and USDA loan programs.

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Understanding USDA Loans in NY

The USDA home loan is backed by the government’s Department of Agriculture and is also known as the USDA rural development loan or USDA mortgage. It's exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment.

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(808) 853-2355 Lender's profile and map Reviews Honolulu Fire Department Federal Credit Union 1200 N. School Street, Honolulu, HI, 96817 As a federally-chartered, federally-insured financial cooperative, Honolulu Fire Department Federal Credit Union is a member-owned and member-governed financial institution like the other 7, 000 credit unions across the country. With our focus on firefighters throughout Hawaii, we truly serve to be Your Lifeline for a Lifetime!
(808) 842-9660 Lender's profile and map Reviews Kamehameha Federal Credit Union 1620 N. School St, Suite 116, Honolulu, HI, 96817 Kamehameha Federal Credit Union (KFCU) is dedicated to helping its members achieve their personal financial successes by providing a wide range of financial products and services. KFCU has been proudly serving its membership since 1957. As a not-for-profit financial cooperative, it is owned and operated by its members.
(808) 383-5363 Lender's profile and map Reviews Millennium Lending LLC 3455 Kaohinani Drive, Honolulu, HI, 96817 Gunner Schull is the owner of the Mortage company With 25 years in the real estate industry as a lawyer and lender I have acquired a unique expertise to assist my clients with all their real estate financing transactions. I opened Millennium Lending in 1999 and have existed entirely from referral and repeat customers.
(808) 292-1272 Lender's profile and map Reviews HHOC Mortgage 1259 Aala St, Suite 201, Honolulu, HI, 96817 HHOC Mortgage is dedicated to offering affordable mortgage loans to Hawaii’s homebuyers that are competitively priced. HHOC Mortgage primarily serves low and moderate-income target markets and communities. HHOC Mortgage provides financial support to Hawaii HomeOwnership Center to enable continuance of its mission to provide prospective
(808) 488-2274 Lender's profile and map Reviews Money Mart 98-199 Kamehameha Hwy, Aiea, HI, 96701 Money Mart is your convenient, one-stop money services destination for a check cashing, money between paydays or a Western Union® money transfer. Our friendly staff is ready to serve you. Store is located in Pearl Kai Shopping Center along Kamehameha Hwy off of the Pearlridge exit westbound across from the Pearlridge Mall.
(808) 488-5510 Lender's profile and map Reviews Pacific Rim Mortgage 98-151 Pali Momi St, Suite C2A, Aiea, HI, 96701 Pacific Rim Mortgage LLC has been around since 2005. We specialize in FHA loans, VA loans, USDA loans, pre-approvals, purchases, refinances, debt consolidation, and credit repair. Our team averages over 12 years of mortgage lending experience. We have closed many loans, won many awards, and worked really hard.
(808) 255-7498 Lender's profile and map Reviews Solid Rock Home Loans 94-161 Apele Place, Mililani, HI, 96789 "In 2006, Ed and Bernie stepped out in faith and started Solid Rock Home Loans, with a vision to bring honesty and excellence to the mortgage lending in Hawaii. In 2019, Solid Rock Home Loans celebrates their 13 year anniversary having the honor to help many families dreams come true through homeownership."
(808) 727-1055 Lender's profile and map Reviews HI Velocity Mortgage 94-498 Alapoai St, Mililani, HI, 96789 HI Velocity Mortgage was started with the vision to offer great rates with exceptional service. We strive to simplify the mortgage process while tailoring to your specific financial goals. and also HawaiiVALoans. He has a wide variety of experience finding his clients’ needs and helping them fulfill their home buying goals.
(808) 983-5500 Lender's profile and map Reviews University of Hawai’i Federal Credit Union 2019 South King Street, Honolulu, HI, 96826 At the University of Hawai'i at Manoa, we are a not-for-profit financial cooperative owned and operated by our members. In keeping with our philosophy of "people helping people," we offer a wide range of financial products and services with the highest level of service directed primarily to the University of Hawai'i community.
(808) 973-4311 Lender's profile and map Reviews Hawaii Law Enforcement Federal Credit Union 1936 South King Street, Honolulu, HI, 96826 The Hawaii Law Enforcement Federal Credit Union was originally formed in 1937 as the Honolulu Police Federal Credit Union by a group of police officers. The goal was to create a financial institution to serve the unique financial needs of the employees of the Honolulu Police Department.