USDA Vs. FHA Pro and Con comparison in Garden-City-South, Nassau County, NY

In 2025, the USDA loan limit for a single-family home in Garden-City-South, Nassau county, NY, is $0, whereas the FHA loan limit is $822,375.

Take advantage of the Lendersa® USDA loan calculator to compare today's USDA versus FHA best rates. Determine income, credit scores, reserves, and documents necessary for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you decide which program suits your financial circumstances best in .

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

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

USDA and FHA Loan Options in Garden-City-South, NY

Lendersa® aims to find the best USDA or FHA loan quickly and without hassle. Choose one of three starting options to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan is backed by the U.S. Department of Agriculture and known as a USDA rural development loan or USDA mortgage. Available solely 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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  • Northpoint Mortgage strives to embrace our core principles of community, excellence, integrity, and service in everything we do. We have a knowledgeable local sales team and support staff committed to ensuring a smooth professional process throughout start to finish and in the future.
  • NSH MORTGAGE
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  • NSH Mortgage team has helped thousands of people get quickly and easily approved for mortgages for over 25 years! He is eager to help you get approved for the lowest rate possible, no matter your situation. He works closely with his clients to ensure a stress-free, comfortable experience that leaves everyone happy.
  • Hayward Community Credit Union
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  • Hayward Community Credit Union provides full financial services at two branch locations in Hayward and Cable Wisconsin. Hayward Community Credit Union now serves nearly 7, 500 members in our 7 county membership field to include: Ashland, Barron, Bayfield, Douglas, Rusk, Sawyer and Washburn.
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  • Homevision Mortgage Lending Inc. is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time, and you can trust.
  • Absolute Mortgage Solutions LLC
  • 680 St. Clair Street, Suite 360171, Melbourne, FL, 32936
  • Kristine is the President at Absolute Mortgage Solutions, LLC., where she is very hands on in the day-to-day operation of the company. Kristine personally processes her applications from start to finish. Including purchases, refinances and educating her clients about their financing options. Kristine works with numerous real estate offices.
  • United State Bank
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  • The history of the United State Bank began in 1922 when Lorenzo H. Gnuse, Sr. founded the Durham State Bank. Mr. Gnuse was commissioned by the State of Missouri to assist in the liquidation of banks throughout Missouri that were failing due to the nationwide depression. Mr. Gnuse was sent to Durham to liquidate the Durham Savings Bank.
  • Healthnet Federal Credit Union
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  • Our mission is to financially counsel and serve members of the health care community with a full range of quality financial services which are competitive, and promote the financial well-being of our membership and the overall safety and soundness of our organization. HealthNet Federal Credit Union was founded in 1955 to serve the financial needs.
  • Money Financial Group Corp
  • 7345 W Sand Lake Rd Suite 202, Orlando, FL, 32819
  • Experience financial flexibility with Money Financial Group Corp! We are a premier alternative to hard money loans and SBA or Conventional-ineligible financial solutions. Trust our expertise to customize funding options tailored to your unique needs. Empower your future with us! Contact Dario Marcovigi today: [email protected] | 689-214-6111.