USDA Vs. FHA Pro and Con comparison in East-Patchogue, Suffolk County, NY

For 2025, the USDA loan cap in East-Patchogue, within Suffolk county, NY, is $657,900, while for single-family homes, the FHA maximum is $822,375.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the income, credit, reserves, and document requirements for qualification. Our advanced tool shows USDA, FHA, Conforming, and VA loans side by side, aiding your choice in .

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

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

USDA and FHA Loan Possibilities in East-Patchogue, NY

Lendersa® aims to quickly connect you with the best USDA or FHA loan options without hassle. Begin with one of three methods that link to matching lenders and USDA loan offerings.

Lendersa USDA loan matching results

About USDA Loans in NY

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is exclusive to rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans require none.

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



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