USDA and FHA Pro and Con in Garden-City, Nassau County, NY

In the year 2025, the USDA loan limit for Garden-City in Nassau county, NY, is set at $0, while the FHA cap for a single-family home reaches $822,375.

Utilize the Lendersa® USDA loan calculator to assess today’s leading USDA versus FHA rates, helping determine the necessary income, credit, reserves, and documents for qualification. With our sophisticated mortgage calculator, view USDA, FHA, Conforming, and VA loan options side-by-side, aiding your choice for the best financial program specific to .

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2025 Loan Ceilings and Down Payment Requirements in Garden-City, Nassau, NY

Loan Type Maximum Loan Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Options for USDA and FHA Loans in Garden-City, NY

Lendersa® aims to procure the best USDA or FHA loan swiftly and sans hassle. Choose one of three starting methods to find matching lenders and USDA loan schemes.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, endorsed by the government Department of Agriculture, also known as a USDA rural development or mortgage loan, is accessible only in rural areas. FHA loans require at least a 3.5% down payment, whereas USDA mortgages do not necessitate any down payment.

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



  • Lininger Mortgage
  • 9550 Warner Ave, Suite 250, Fountain Valley, CA, 92708
  • At Lininger Mortgage, we are committed to providing top-notch assistance with originating and processing loans. Established in 2015, we are a loan broker company serving various clients in the California area. Count on our dependable team of licensed loan processors and officers to help you from start to finish.
  • Bryson Team with Centerpointe Real Estate
  • 10061 Talbert Avenue, Suite 345, Fountain Valley, CA, 92708
  • Bryson Team with Centerpointe Real Estate mission to raise $25, 000 for Together We Rise, so for every HomeOwner We Help (Sell A Home), For Every Home Buyer We Help (Find Their Dream Home) Or Mortgage Loan We Process (Refinance, Reverse Mortgage, & Equity Lines), we donate a Large Portion of our Income to TWR.
  • Lending3
  • 17220 Newhope St, Suite 213, Fountain Valley, CA, 92708
  • Lending 3 was founded in 2003. We dedicate ourselves to providing first class customer service.We believe in offering our customers with a personalized mortgage experience from beginning to end.Lenders will commonly require you to provide additional information such as a valid social security number and submit to a credit check.
  • Mario Loans
  • 333 Marine Ave #5, Newport Beach, CA, 92662
  • Mario Loans 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
  • The Gill Group
  • 485 E. 17th Street, Suite 200 & 202, Costa Mesa, CA, 92627
  • our full loan approval process is unique in comparison to the average lender's pre-approval process. My team is structured to provide a high level of customer service. Please contact us to inquire about the advantages of our VIP buyer program!”val process is unique in comparison to the average lender's pre-approval process.
  • American Heritage Lending
  • 485 E 17th Street, Suite 220, Costa Mesa, CA, 92627
  • American Heritage Lending is a retail mortgage company headquartered in Costa Mesa, CA. Established in 2004, American Heritage Lending was founded to be a company set apart from an already impacted market. Licensed in multiple states across the US, the premise of our company evolved into the pinnacle for our success.
  • Jewelry-N-Loan
  • 1872 Newport Blvd., Costa Mesa, CA, 92627
  • Jewelry-N-Loan is a one-of-a-kind, family-owned jewelry store and pawnshop located in Costa Mesa, California. We pride ourselves on being the leading resource in Orange County for purchasing, selling, trading, and lending against fine watches, gold, coins, diamonds, and jewelry. Our history starts with our family that has been proudly serving the p
  • Coast Jewelry & Loan
  • 1836 Newport Blvd, Costa Mesa, CA, 92627
  • Our business is the oldest Collateral Brokerage in Orange County and is still family owned, operated and running! Not many business operations can say they have done so for almost 70 years and still stay under the same ownership. Orginally located in Santa Ana, our business moved in 1995.
  • Fund USA Corp.
  • 2183 Fairview Road, Unit 217-D, Costa Mesa, CA, 92627
  • 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.
  • Integr8tive Solutions Inc
  • 2388 Santa Ana, Costa Mesa, CA, 92627
  • 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.