USDA VS FHA in Copiague, Suffolk County, NY

In the year 2025, the USDA loan maximum in Copiague, which is part of Suffolk county, NY, is $776,600, whereas for a single-family residence, the FHA loan maximum reaches $1,089,300.

With the Lendersa® USDA loan calculator, you can evaluate today’s leading USDA versus FHA loan rates, including the income levels, credit score, reserves, and required documentations for eligibility. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding you in determining the best suited program in for your financial needs.

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Loan Limits and Down Payment Details in Copiague, Suffolk county, NY for 2025

Loan Type Maximum Loan Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Possibilities in Copiague, NY

Lendersa® strives to promptly deliver the most advantageous USDA or FHA loans without complication. Choose from one of the three primary paths to connect with matching lenders and discover USDA loan programs.

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Understanding USDA Loans in NY

A USDA home loan, also recognized as a USDA rural development loan or USDA mortgage, is a government-backed loan offered by the Department of Agriculture and is limited to rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage allows for a purchase with no down payment necessary.

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



  • Golden Eagle Mortgage Group
  • 260 Tres Pinos Rd, Suite B-2, Hollister, CA, 95023
  • Golden Eagle Mortgage Group is the trusted, local APM division that caters to the specific needs of your community. Like APM, Golden Eagle Mortgage Group’s mission is to create experiences that matter while serving your home financing needs. Whether you are buying your first home, a new investment property or building your dream home.
  • Good Guys Financial Inc
  • 430 Talbot Drive, Hollister, CA, 95023
  • A California independent agency and broker, Good Guys Financial’s team is built on honesty, integrity, hard work and professionalism. We value our relationships with employees, clients & familiar lenders. We approach business with solutions to your coverage needs. Our agency has 8+ years of mortgage & real estate business experience
  • Lineage Realty Group
  • 1354 San Benito St, Hollister, CA, 95023
  • Richard Vasquez brings over 28 years of experience in real estate, excellent customer service and a commitment to work hard, listen and follow through. He provides quality service to build relationships with clients and more importantly, maintain those relationships by communicating effectively.
  • Evergreen Federal Savings and Loan Association
  • 969 S E Sixth Street, Grants Pass, OR, 97526
  • Evergreen continues to grow stronger than ever with our signature Main Office Headquarters located along the Rogue River in Grants Pass. In addition, Evergreen has four other branches located in North Grants Pass, Medford, Rogue River, and Brookings. We remain committed to our Mutual charter and our mission to reinvest in projects and community eve
  • Rogue Valley Mortgage LLC
  • 222 NE B Street, Grants Pass, OR, 97526
  • We take the time to interview each client and listen to their individual circumstances. We invite them to tell us "their story". Through our years of experience, we have creative ideas and methods to lend money when conventional lenders can't help. We can arrange a loan term that matches your unique situation.
  • Investment Resources Inc
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  • Owner/Broker Bruno Skopinich employed as loan consultant with Investment Resources Inc. We are located in Southern Oregon. Investment Resources Inc. is multi-dimensional company offering investment, insurance, tax service and mortgage loans. Bruno have been active in the mortgage industry for over 25 years with a stellar reputation.
  • Joey Machado, REALTOR®
  • 722 E Main St, Suite 105, Santa Maria, CA, 93454
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  • New America Realty
  • 1750 S Broadway, Suite J, Santa Maria, CA, 93454
  • New America Realty is a local and friendly real estate company that specializes in real estate purchase and sales, loans, property management and finance. With great experience as a Santa Maria Realtor and as a Realtor servicing all areas in Santa Barbara County, CA such as Lompoc, Guadalupe, Santa Barbara, San Luis Obispo, and Arroyo Grande.
  • Novel Home Loans
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  • Greater Mortgage Solutions
  • 124 W. Main St, Suite A, Santa Maria, CA, 93454
  • We have been serving the Central Coast for over 10 years. We were here before the market crash and have been here since. We help clients get qualified for a home loan. Whether they be first time home buyers or investors. We do loans from FHA to VA as well as conventional loans. We can do loans that big banks cannot do give us a call
  • Paul Blanco and Associates Inc.
  • 1619 South Broadway, Santa Maria, CA, 93454
  • PB & Associates strives to bring the best possible experience as well as exposure and are active members of their local and state real estate MLS associations. In addition, our website is linked nationally and provides a simplified approach to guide our clients through the home selling and buying processes.