USDA VS FHA in Coram, Suffolk County, NY

In 2026, the USDA loan limit in Coram, Suffolk county, NY is set at $776,600, whereas the FHA limit for a single-family home is $1,089,300.

Leverage Lendersa® USDA loan calculator to analyze today's optimal USDA and FHA rates. This tool helps ascertain the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, guiding you to select the best program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Coram, Suffolk County, NY

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

Discover USDA and FHA Loan Options in Coram, NY

Lendersa® aims to connect you with the ideal USDA or FHA loan promptly and with ease. Choose one of three starting points to find matching lenders and access USDA loan programs.

Lendersa USDA loan request and match results

Understanding USDA Loans in NY

A USDA home loan, otherwise known as a USDA rural development loan, is guaranteed by the Department of Agriculture and is exclusively available for rural areas. Contrasted with FHA loans that require a minimum down payment of 3.5%, USDA loans have no down payment requirement, offering considerable advantages to eligible rural borrowers.

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



Coram Lenders

  • Insula Capital
  • 627 Horseblock Rd, Farmingville, NY, 11738
  • Lends in New York
  • Insula Capital Group is a private lender and real estate investment company providing short term fix and flip loans, construction loans, and permanent financing options, custom tailored to the needs of our clients.

    Our loans are underwritten in-house,
    resulting in lightning fast funding and an easy application, inspection

  • Atlantic Home Capital Corp.
  • 627 Horseblock Road, Suite 101, Farmingville, NY, 11738
  • Lends in New York
  • Atlantic Home Capital is one of the most well established mortgage brokers on the eastern seaboard. We are multi state licensed & can originate FHA, VA & Reverse mortgages.Our management team has over 30 years combined experience.Our support staff is professional, courteous, diligent & proficient in mortgage procedures from origination to closing.

  • Suffolk Federal Credit Union
  • 3681 Horseblock Rd, Medford, NY, 11763
  • Lends in New York
  • Suffolk Federal Credit Union is committed to a relationship with our members based on trust and respect as we deliver Better Banking for Long Island. We understand that each of our members has their own dream or vision of what they want to accomplish financially, whether it's the purchase of a new home or new car.

  • Commercial Lender Link
  • 640 Belle Terre Road. Building D, Port Jefferson, NY, 11777
  • Lends in New York
  • Our team members are experienced commercial real estate professionals from the investor and banking community. For more information about us call 631-828-4404.

    We work hard to exceed expectations in order to satisfy our borrowers’ needs

    We have no upfront fees to our borrowers, investors or affiliates. We are success fee driven. No success. N

  • Paragon Financial Group Inc
  • 4250 Veterans Memorial Highway, Suite 420E, Holbrook, NY, 11741
  • Lends in New York
  • We are committed to maintaining the highest standards of integrity and professionalism in our relationship with you, our client. In a financial services world so recently tarnished by misinformation and even outright fraud we strive to continue to be your reliable source for accurate financial information and trustworthy account services.

  • Shea & Sanders Real Estate
  • 222 Main Street East, East Setauket, NY, 11733
  • Lends in New York
  • Shea & Sanders Real Estate is a full-service, locally-owned & independently operated, hometown realtor providing the Three Villages and surrounding areas extensive, state-of-the-art real estate marketing services. Shea & Sanders Real Estate guarantees the most competitively priced commission structures and our clients'/customers' satisfaction.

  • Silver Lining Funding
  • 154-2 Remington Blvd, Ronkonkoma, NY, 11779
  • Lends in New York
  • We believe that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. We're here to serve your mortgage needs and have what it takes to make a difference in your next mortgage transaction.We can place all types of mortgages including purchases, refinances, equity takeouts,debt consolidations.

  • The Mortgage Capital Group
  • 982 Montauk Highway, Suite 3, Bayport, NY, 11705
  • Lends in New York
  • The Mortgage Capital Group can help you achieve your goals. By matching the financial goals of our clients with the innovative products of national, regional and boutique lending institutions we shall ensure quality and value throughout the collateralized residential and commercial mortgage process.

  • National Business Capital
  • 1 Corporate Drive, Suite 202, Bohemia, NY, 11716
  • Lends in New York
  • National Business Capital is the leading FinTech marketplace offering small business loans and services. We've secured over $1 billion in financing for small business owners to date.

    Our expert Business Financing Advisors work within our 75+ Lender Marketplace in real time to give you easy access to the best low-interest SBA loans.