USDA and FHA Pro and Con in East-Hampton, Suffolk County, NY

In 2025, USDA loan limit in East-Hampton, county of Suffolk, NY is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in East-Hampton, county of Suffolk, NY

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

USDA and FHA loan options in East-Hampton, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Simplifi Loans
  • 14114 Dallas Parkway, Suite 560, Dallas, TX, 75254
  • Simplifi seeks to empower mortgage customers to make a difference in the world. For every loan we provide to customers, Simplifi will fund a year of education for a girl in a developing country. We will cover the cost of sending a student to school for a year, including tuition, uniforms and supplies. We believe that education has the power
  • The Tuttle Group
  • 14900 Landmark Blvd, Suite 600, Dallas, TX, 75254
  • "The Tuttle Group is a branch of Mid America Mortgage, Inc in Dallas, Texas. With over 19 years of experience in the financial, Branch Manager Andy Tuttle offers ‘No Non-sense Financial & Real Estate Solutions’ so his listeners, family and friends can live healthy financial lives and enjoy themselves along the way."
  • Reliance Mortgage Company
  • 5220 Spring Valley Road, Suite 602, Dallas, TX, 75254
  • Reliance Mortgage Company has been in business since 1989 and has funded over $8 billion dollars in residential mortgage loans. We are committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.
  • Sublime Financial, LLC
  • 14785 Preston Road;, Suite 455, Dallas, TX, 75254
  • Sublime Financial provides home mortgages in Dallas and the entire state of Texas. We offer our customers many loan products and options, often times more than most larger mortgage brokers. If you're looking for the best home loan in Texas you can find, then contact us. Sublime Financial helps our customers refinance their current mortgage
  • The First National Bank of Trinity
  • 105 South Robb Street, Trinity, TX, 75862
  • First National Bank of Trinity is proudly working on a second century of service. First National Bank continues to be a locally owned, community bank that offers full service banking with a hometown touch. A strong sense of community is evidenced by First National’s commitment to numerous local organizations in the Trinity, Riverside service areas.
  • Mike Clover Group
  • 18170 Dallas Parkway, Suite 304, Dallas, TX, 75287
  • The Mike Clover Group at Homewood Mortgage is a close-knit group of experienced mortgage professionals dedicated to getting their clients the best loans in the shortest amount of time. Every member of the team has at least 10 years' experience in mortgage lending, and each shares Mike's strong belief in GOD, family, and doing the right thing
  • Homewood Mortgage, LLC
  • 18170 Dallas Parkway, Suite 304, Dallas, TX, 75287
  • Established in 2001, Homewood Mortgage was founded by CEO and President, John Rasor, as a small mortgage brokerage firm with a hands on-approach to meeting the needs of the consumer. Since then we have evolved into a full service mortgage banker servicing the needs of Texas and Florida.
  • Lendid Loans, LLC
  • 17440 Dallas Pkwy, Suite 111, Dallas, TX, 75287
  • Trey Bolen started working in the mortgage industry more than a decade ago, working in a number of areas including underwriting, processing, secondary marketing and sales. As his experience grew, Trey saw huge opportunities to make the mortgage industry better. Traditional lenders had a tedious and aggravating application process.
  • Texas VA Mortgage
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  • We proudly serve all types of VA loans in the great state of Texas. We take the time to evaluate your personal situation in detail and find the best mortgage solution through all types of loans, including a VA Purchase/Refinance. We have well-qualified individuals who can assist you with getting things done in a timely manner.