USDA Loan Vs. FHA loan pro & con for Cold-Spring-Harbor, Suffolk County, NY

In 2025, USDA loan limit in Cold-Spring-Harbor, county of Suffolk, NY is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Cold-Spring-Harbor, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(800) 388-7000 757 miles Lender's profile and map Reviews BCU 300 N Milwaukee Ave, Vernon Hills, IL, 60061 We are a purpose-driven organization that empowers people to discover financial freedom. We owe our success to our BCU community, fostering an environment that supports professional and personal growth – which in turn empowers us to best serve our members With over $5 Billion in assets, we are also one of the fastest growing credit unions in the la
(414) 486-7929 757 miles Lender's profile and map Reviews A Better Mortgage Company 4379 S. Howell Avenue, Suite 22, Milwaukee, WI, 53207 A Better Mortgage Company has been saving Wisconsin homeowners money with the most aggressive programs down to 500 credit score, and 100% financing available with 580+ scores and also Providing Wisconsin home services since 1998 with the most aggressive programs, refinancing, 1st and 2nd mortgages, reverse mortgages, VA, FHA and etc
(800) 236-5898 758 miles Lender's profile and map Reviews Educators Credit Union 1326 Willow Road, Sturtevant, WI, 53177 Educators Credit Union was founded by teachers in 1937 so members could borrow and save money at fair and reasonable interest rates. Today, Educators members are students, government workers, healthcare employees, small business owners and many other community members. Educators started out operating under the guiding principle of “Not for Profit.
(262) 898-7420 758 miles Lender's profile and map Reviews Business Lending Partners 2320 Renaissance Blvd, Sturtevant, WI, 53177 BLP is a private non-profit organization, licensed by the U.S. Small Business Administration (SBA) as a Certified Development Company (CDC) to do SBA 504 lending. We are the only CDC headquartered in Southeast Wisconsin and have been in business since 1983. BLP staff provides access to the SBA 504 loan program & other resources using our expertise.
(630) 257-3000 758 miles Lender's profile and map Reviews The Lemont National Bank 1201 State Street, Lemont, IL, 60439 Lemont National Bank is Lemont’s oldest locally owned and operated community bank. Since our founding in 1901, we have remained devoted to our mission of exhibiting integrity and professionalism, and providing the highest quality financial services to our community’s consumers and businesses.
(270) 298-3261 758 miles Lender's profile and map Reviews Commonwealth Community Bank, Inc. 830 South Main Street, Hartford, KY, 42347 Commonwealth Community Bank Inc of Hartford of Kentucky operates as a financial cooperative. The Bank provides financial solutions such as loans, investment, savings, credit and debit cards, online banking, and other related services. Commonwealth Community Bank Inc serves communities in the State of Kentucky.
(847) 670-1000 758 miles Lender's profile and map Reviews Village Bank & Trust, National Association 234 W Northwest Hwy, Arlington Heights, IL, 60004 Village Bank & Trust offers banking solutions tailored to our customers, their needs, & our unique community. No matter what your financial need, we can help. But, we also go above and beyond basic banking solutions. We host financial education courses, hold community events. We believe a bank should be a true asset the area it serves.
(847) 670-0456 758 miles Lender's profile and map Reviews Metro Federal Credit Union 2440 E Rand Road, Arlington Heights, IL, 60004 METRO Federal Credit Union has provided financial services for almost 50 years. We were organized in 1973 by municipal employees who wanted financial services at lower costs than those supplied by banks or other savings institutions. As a community credit union, we serve portions of Cook, DuPage, Lake, and McHenry counties, in addition
(847) 398-0990 758 miles Lender's profile and map Reviews Corporate America Family Credit Union 830 E Kensington Rd, Arlington Heights, IL, 60004 Corporate America Family Credit Union, we're dedicated to providing the tools, resources and expertise that will empower you to succeed.We're here for you, our member-owners. We provide the advanced products and client services you need to help further your financial goals and dreams. Plus, we collaborate with you.
(847) 577-3700 758 miles Lender's profile and map Reviews Arlington Jewelry & Loan 901 West Rand Road, Arlington Heights, IL, 60004 We are a reputable, bright, clean, family owned and operated pawn shop established in 2002. We have been in the jewelry business for over 30 years. We pride ourselves on being different than most pawn shops. Whether you are selling or need to borrow money against your valuables, we will always be helpful, courteous, and confidential.