USDA VS FHA in Cold-Spring-Harbor, Suffolk County, NY
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.
Examine Loan Limits and Downpayment Requirements for 2026 in Cold-Spring-Harbor, Suffolk, NY
Loan Type
Loan Limit
Downpayment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
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.
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.
Advisors Mortgage Group, LLC was founded in October 1999 by a single loan officer in a 400 square foot office in Shrewsbury, New Jersey. In the years since its formation, AMG has grown to serve not only the greater New Jersey area, but also a vast portion of the United States. With branch offices up and down the East Coast
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389 Washington Road, Office 2, Sayreville, NJ, 08872
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