USDA VS FHA in Gordon-Heights, Suffolk County, NY

In 2026, the USDA loan limit in Gordon-Heights, within Suffolk, NY, is $657,900. In contrast, the FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare today’s best rates between USDA and FHA. Determine the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Gordon-Heights, Suffolk, NY

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Exploring USDA and FHA Loan Options in Gordon-Heights, NY

Lendersa® aims to help you obtain the best possible USDA or FHA loan swiftly and effortlessly. Select one of three options to match with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is designated for rural areas exclusively. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans do not require any down payment, offering a significant benefit to eligible borrowers.

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



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