As of 2026, the USDA loan limit in Elwood, situated in Suffolk county, NY, is $776,600; meanwhile, the FHA limit for a single-family home amounts to $1,089,300.
Use the Lendersa® USDA loan calculator to assess today's top USDA and FHA rates and figure out the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA side by side to guide you in deciding which program in locations like Alabama best fits your financial needs.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The goal of Lendersa® is to provide the best possible USDA or FHA loan swiftly and effortlessly. Choose one of three starting points which lead to matching with lenders and the right USDA loan programs.
A USDA home loan, backed by the Department of Agriculture — also known as a USDA rural development loan or USDA mortgage — is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans eliminate the need for any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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