USDA VS FHA in Hauppauge, Suffolk County, NY

During 2025, the USDA loan limit in Hauppauge, within the county of Suffolk, NY, is set at $776,600. In contrast, for a single-family residence, the FHA limit amounts to $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare today's prime USDA versus FHA rates, along with the necessary income, credit, reserves, and documentation needed for qualification. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping you determine which program best fits your financial scenario in .

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Loan Limits and Down Payment Requirements for 2025 in Hauppauge, County of Suffolk, NY

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Choices in Hauppauge, NY

Lendersa® is committed to securing the best USDA or FHA loans quickly and conveniently. Choose one of three starting paths to align with lenders offering the right USDA loan programs.

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An Overview of USDA Loans in NY

A USDA home loan, endorsed by the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, is accessible only in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans require no down payment, offering a more lenient option.

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



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