During 2026, the USDA loan limit for Deer-Park in the county of Suffolk, NY, is $657,900, whereas the FHA limit for a single-family home is $822,375.
Use Lendersa®'s USDA loan calculator to contrast today's top USDA versus FHA rates and figure out the income, credit, reserves, and qualifying documents required. By using our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, enabling decision-making on the most suitable program for your financial circumstances in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The aim of Lendersa® is to offer the best possible USDA or FHA loan easily and quickly. Start with one of three options that will connect you with lenders and USDA loan offerings.
The USDA home loan, or USDA rural development loan (USDA mortgage), is facilitated by the Department of Agriculture for use only in rural areas. It does not require a down payment, unlike FHA loans that need at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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