USDA and FHA Pro and Con in Dix-Hills, Suffolk County, NY

In 2026, the USDA loan limit in Dix-Hills, situated in Suffolk County, NY, is $657,900, while the FHA limit for a single-family home is $822,375.

Utilize Lendersa® USDA loan calculator to assess today's best rates for USDA versus FHA, determining the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in is ideal for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Dix-Hills, Suffolk, NY

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Options for USDA and FHA Loans in Dix-Hills, NY

The purpose of Lendersa® is to help you obtain the best possible USDA or FHA loan quickly and effortlessly. Choose one of three starting points to identify matching lenders and USDA loan programs suitable for your needs.

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Understanding USDA Loans in NY

Known as the USDA rural development loan or USDA mortgage, these loans are guaranteed by the U.S. Department of Agriculture and available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages do not require any down payment.

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



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