As of 2026, in Cutchogue located within Suffolk county, NY, the USDA loan limit is $776,600. In contrast, the FHA limit for a single-family home is $1,089,300.
Lendersa® offers a USDA loan calculator to help you compare today's leading USDA vs. FHA rates, determining the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, compare the USDA, FHA, Conforming, and VA loans side by side to decide which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The aim of Lendersa® is to quickly and effortlessly connect you with the best USDA or FHA loan. Begin with one of three methods to engage with lenders and discover available USDA loan programs.
The USDA home loan is a government-backed mortgage by the Department of Agriculture, commonly called a USDA rural development loan or USDA mortgage. It is available solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA loan demands no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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