USDA Vs. FHA your options comparison in Farmingdale, Nassau County, NY

In 2026, the USDA loan limit in Farmingdale, Nassau, NY is $0, while the FHA limit for a single-family home reaches $1,089,300.

Use Lendersa®'s USDA loan calculator to evaluate today's top USDA and FHA rates. Identify the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator gives you a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you determine the ideal program in for your specific financial needs.

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Loan Limits and Downpayment Requirements for 2026 in Farmingdale, Nassau, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Explore USDA and FHA Loan Options in Farmingdale, NY

Lendersa®'s goal is to help you obtain the best possible USDA or FHA loan quickly and easily. Choose one of three starting paths to connect with matching lenders and identify suitable USDA loan programs.

Results of USDA loan requests at Lendersa

Understanding USDA Loans in NY

A USDA home loan, backed by the U.S. Department of Agriculture—also known as a USDA rural development loan—serves rural areas specifically. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA mortgages need no down payment, providing a financial benefit to eligible borrowers.

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



Farmingdale Lenders

  • MMP Capital
  • 19 Engineers Ln, Farmingdale, NY, 11735
  • Lends in New York
  • MMP Capital offers a much-needed streamlined approach to the commercial financing market with a special focus on meeting the financing needs of such industries as aesthetic, medical, graphic arts, dental, technology, veterinarian, and eye-care. Our programs enable us to empower businesses like yours.

  • First Rehab Lending
  • 71 Gazza Blvd, Farmingdale, NY, 11735
  • Lends in New York
  • First Rehab Lending is nationwide, direct private lender providing short-term loans to facilitate the acquisition and rehabilitation of non-owner occupied residential real estate for experienced investors. We understand that for investors to be successful in this industry, they rely heavily on their lender to provide timely and efficient services.

  • Bethpage Federal Credit Union
  • 899 S Oyster Bay Rd, Bethpage, NY, 11714
  • Lends in New York
  • Bethpage Federal Credit Union has been serving its members and their communities for 80 years. Just like when we first opened our doors for Grumman employees in 1941, we’re keeping our promise to continuously meet the changing needs of our members with personal service and value.

  • City Island Associates Inc
  • 4242 Merrick Road, Massapequa, NY, 11758
  • Lends in New York
  • At City Island Associates, inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We place loans with a variety of lenders.

  • Metro Realtors Federal Credit Union
  • 346 Sunrise Highway, West Babylon, NY, 11704
  • Lends in New York
  • As a Non-Profit Credit Union, banking with MRFCU makes you a Member and an Owner. We are structured so that we can focus on bringing our members the best quality banking services and products. Being a smaller credit union helps us to focus on each of our member's needs and provide them top quality service.

  • JMS Global Group
  • 290 Broadhollow Rd, Melville, NY, 11747
  • Lends in New York
  • For 1-4 Unit Investment Properties/ bridge loans , Hotel , International, Purchase refinance , all 50 states and international .Flexible Loan Terms, Underwriting in house , Loans Designed to close quickly on real estate purchases or to leverage equity on owned RE. Real Estate Bridge Loans.
    JMS Global is the choice of top REIs across the country,

  • All Access Financial
  • 576 Broadhollow Rd, Melville, NY, 11747
  • Lends in New York
  • All Access Financial is a true financial marketplace offering working capital loans. We provide all types of financial options when it comes to your business, such as Working Capital Loans, Business Term Loans, Merchant Cash Advances, Lines of Credit, Equipment Financing, Commercial and Residential Loans, and SBA Loans. We understand that every bus

  • DIME
  • 400 Broadhollow Road, Melville, NY, 11747
  • Lends in New York
  • Dime Community Bank operates over 65 convenient branch locations across Long Island, Brooklyn, Queens, Bronx and Manhattan. We’re committed to providing exceptional service, the latest in technology and an experienced, dedicated team to help you achieve your financial goals. We offer a full range of products and services for businesses and consumer

  • Big Think Capital
  • 225 Broadhollow Road, Melville, NY, 11747
  • Lends in New York
  • Big Think Capital is a direct lender and financial service marketplace specializing in helping businesses find the capital they need with the best possible terms. With multiple financial options Big Think Capital will be able to guide any business owner through the financing process with ease.