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

In 2025, the USDA loan limit set for East-Hampton, located in Suffolk county, NY, is $657,900. The FHA cap for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. Evaluate your income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side-by-side, assisting you in selecting the best program suited to your financial requirements in .

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2025 Loan Limits and Down Payment Needs in East-Hampton, Suffolk, NY

Loan Type Loan Ceiling Initial Deposit
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Available USDA and FHA Loan Solutions in East-Hampton, NY

Lendersa® is committed to ensuring you secure the most favorable USDA or FHA loan promptly and with ease. Begin with one of our three approaches to meet matching lenders and explore USDA loan opportunities.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, alternatively referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans require no down payment.

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



  • Christiansen Capital
  • 25185 Madison Ave Ste. A, Murrieta, CA, 92562
  • Christiansen Capital is a trust deed investment firm and hard money lender conveniently located in Murrieta, California. Christiansen Capital has been assisting clients obtain “non-conventional” financing since 2005. Christiansen Capital was created to be the conduit between borrowers who can actually obtain conventional financing.
  • The Mortgage Pros Funding, Inc
  • 4199 Flat Rock Road, Suite 116, Riverside, CA, 92505
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Certys Financial Inc.
  • 10705 Magnolia Ave, Riverside, CA, 92505
  • Certys Financial Inc (NMLS #1096493) is a mortgage company serving the states of California, Texas, and Pennsylvania. We use the latest technology such as electronic signing (E-Sign) and paperless processing to ensure minimum effort on your part and speedy processing on ours. Our regard for your financial well being won't allow us
  • Campbell Financial Services, Inc.
  • 4181 Flat Rock Drive, Suite 250, Riverside, CA, 92505
  • Since 1989 Campbell Financial Services has continued with one purpose in mind: To meet the needs of our clientele by providing a full array of lending options in an efficient, straight-forward manner. We know you’re busy and that your time is important, and we’re committed to being your lending expert!
  • Inland Capital Finance
  • 4097 Trail Creek Road, Riverside, CA, 92505
  • Inland Capital Finance is a Southern California based Wholesale Mortgage Brokerage. At ICF we understand that you are an individual and that every individual is different. Over the years we have had many different clients with varying situations from those with excellent credit scores to those rebuilding their credit scores.
  • Peninsula Mortgage Inc.
  • 224 W. Washington St, Suite 103, Sequim, WA, 98382
  • Peninsula Mortgage is the longest running independent Mortgage Lender on the Peninsula and is known for expertise, great loan prices and personal service and As an independent Mortgage Lender I am able to fit the best home loan available to my client's needs. A "single source" Lender can only offer the loans they happen to have in house.
  • Sean Clift Mortgage
  • 803 Carlsborg Rd, Sequim, WA, 98382
  • Clift Mortgage has been walking first time home buyers and veteran investors through the murky waters of residential lending for nearly 20 years, and with over 100 years combined experience, we know the pitfalls to avoid, and have the answers you need! residential lending for nearly 20 years
  • Brian Stone & PNW Loans
  • 11112 NE 51st Circle, Vancouver, WA, 98682
  • We call ourselves PNW Loans because we live, work, and play in the Pacific Northwest. That means we don’t get worked up over a little rain, we know all the best hiking trails in the Columbia River Gorge, we’ve dipped our toes in countless inland lakes, and we’ve never met an IPA we didn’t like. From the shore, to the timber.
  • Griggs Mutual Realty & Management
  • 6080 Hamner Avenue, Suite 103, Eastvale, CA, 91752
  • At Griggs Mutual Realty & Management, the ultimate goal is to create lasting relationships with each and every client and to continue providing excellent service for many years to come. The Griggs Mutual Realty & Management Team is your premier mortgage company located in Eastvale, California.