USDA Vs. FHA your options comparison in Holbrook, Suffolk County, NY
In 2026, the USDA loan cap in Holbrook, within the county of Suffolk, NY, is set at $776,600, while the FHA gap for a single-family home is $1,089,300.
Take advantage of the Lendersa® USDA loan calculator to evaluate today's best rates between USDA and FHA, determining the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the most suitable program in for your personal financial needs.
2026 Loan Limits and Down Payment Requirements in Holbrook, Suffolk, NY
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Explore USDA and FHA Loan Options in Holbrook, NY
The goal of Lendersa® is to help you secure the highest quality USDA or FHA loan swiftly and with no hassle. Choose one of three starting strategies to locate compatible lenders and USDA loan programs that cater to your requirements.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and exclusively available for rural areas. In contrast to FHA loans that necessitate a minimum down payment of 3.5%, USDA loans require no down payment.
"Stillman Bank is a local, independently-owned community bank founded in 1882 and has been meeting the financial needs of our customers in northern Illinois for more than a century.
We offer the products and services you expect from big banks, but we do it with a friendly, hometown touch. And, because we are a community bank,"
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First Community Bank, Xenia-Flora is a community bank operating in Central Illinois serving Xenia-Flora and surrounding communities. We take pride in giving friendly, efficient, and personal service. Decisions about our policies and customers needs are made by people living in your own community.
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