In 2025, the USDA loan limit in Farmingville, Suffolk county of NY, is set at $776,600, while the FHA limit for a single-family house is $1,089,300.
Use the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates today and understand the income, credit score, reserves, and documentation needed to qualify. With our sophisticated mortgage calculator, compare USDA, FHA, Conforming, and VA options, assisting your selection of the best program for your financial scenario in
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| Loan Category | Limit | Down Payment | |
| USDA | $776,600 | 0% | |
| FHA | $1,089,300 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® strives to deliver the ideal USDA or FHA loan quickly and smoothly. Select from one of three options to connect with lenders aligned to USDA loan programs.
A USDA home loan, guaranteed by the governmental Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is strictly available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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