USDA Vs. FHA your options comparison in Hampton-Bays, Suffolk County, NY
In 2026, the USDA loan limit in Hampton-Bays, within the county of Suffolk, NY, is $657,900. Meanwhile, the FHA ceiling for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to assess today's premier USDA and FHA rates. This tool helps determine the necessary income, creditworthiness, reserves, and documentation required for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, allowing you to decide which program in Alabama is most suitable for your unique financial situation.
Loan Limits and Down Payment Requirements for 2026 in Hampton-Bays, County of 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 Hampton-Bays, NY
The mission of Lendersa® is to seamlessly and efficiently secure the best USDA or FHA loan for you. Begin your journey by choosing one of three pathways to connect with suitable lenders and USDA loan programs.
The USDA home loan, backed by the government’s Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage, and is exclusive to rural areas. It stands apart from FHA loans, which require a minimum of 3.5% down payment, as the USDA mortgage demands no down payment, offering a distinct advantage for eligible buyers in rural regions.
575 Underhill Blvd, Suite 216, Southold, NY, 11971
Lends in New York
Original Funding is not a lender. We provide a service to prospective borrowers wherein we submit their secure application information to our network of lenders. We do not collect a fee from the applicants. Our mission is to match prospective borrowers with our preferred network of lenders. There is no guarantee that your application
PAR East is the East End's premier full-service mortgage company, with 25+ years of experience closing loans in New York’s tricky real estate market. Through this experience navigating the over-whelming demands of big banks, PAR East has built a reputation for bringing loans across the finish line with professionalism and ease.
MCS Mortgage Bankers is a mortgage bank with operations in twenty-six states. MCS Mortgage Bankers offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, FHA 203(k), VA, USDA and reverse mortgages. MCS Mortgage Bankers is a FREEandCLEAR Certified Bronze Low Rate Lender.
ASEAN CAPITAL, INC. was started in 1998 by Dula Amarasinghe, a 30 year veteran of International Banking Industry. During his tenure with Manufacturers Hanover Trust Company, now JP Morgan Chase Bank, he was the Team Leader handling the business of Sri Lanka, Thailand, Philippines, Pakistan and Nepal desks.
Suffolk Federal Credit Union is committed to a relationship with our members based on trust and respect as we deliver Better Banking for Long Island. We understand that each of our members has their own dream or vision of what they want to accomplish financially, whether it's the purchase of a new home or new car.
Insula Capital Group is a private lender and real estate investment company providing short term fix and flip loans, construction loans, and permanent financing options, custom tailored to the needs of our clients.
Our loans are underwritten in-house, resulting in lightning fast funding and an easy application, inspection
627 Horseblock Road, Suite 101, Farmingville, NY, 11738
Lends in New York
Atlantic Home Capital is one of the most well established mortgage brokers on the eastern seaboard. We are multi state licensed & can originate FHA, VA & Reverse mortgages.Our management team has over 30 years combined experience.Our support staff is professional, courteous, diligent & proficient in mortgage procedures from origination to closing.
640 Belle Terre Road. Building D, Port Jefferson, NY, 11777
Lends in New York
Our team members are experienced commercial real estate professionals from the investor and banking community. For more information about us call 631-828-4404.
We work hard to exceed expectations in order to satisfy our borrowers’ needs
We have no upfront fees to our borrowers, investors or affiliates. We are success fee driven. No success. N
