USDA Vs. FHA your options comparison in Holtsville, Suffolk County, NY
In 2026, the USDA loan limit for Holtsville, in the county of Suffolk, NY, is $776,600. Meanwhile, the FHA limit for a single-family home stands at $1,089,300.
Make use of the Lendersa® USDA loan calculator to contrast today's competitive USDA and FHA rates and explore the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator visually compares USDA, FHA, Conforming, and VA options side by side, guiding you to choose the right program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Holtsville, 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 Options in Holtsville, NY
Lendersa® aims to secure you the optimal USDA or FHA loan expediently and without unnecessary hassle. Choose one out of three initial paths, leading to suitable lender matches and USDA loan solutions.
A USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is exclusively available for rural locales. Unlike FHA loans that demand a minimum down payment of 3.5%, USDA loans require none, enhancing their appeal.
4250 Veterans Memorial Highway, Suite 420E, Holbrook, NY, 11741
Lends in New York
We are committed to maintaining the highest standards of integrity and professionalism in our relationship with you, our client. In a financial services world so recently tarnished by misinformation and even outright fraud we strive to continue to be your reliable source for accurate financial information and trustworthy account services.
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.
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.
We believe that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. We're here to serve your mortgage needs and have what it takes to make a difference in your next mortgage transaction.We can place all types of mortgages including purchases, refinances, equity takeouts,debt consolidations.
The Mortgage Capital Group can help you achieve your goals. By matching the financial goals of our clients with the innovative products of national, regional and boutique lending institutions we shall ensure quality and value throughout the collateralized residential and commercial mortgage process.
National Business Capital is the leading FinTech marketplace offering small business loans and services. We've secured over $1 billion in financing for small business owners to date.
Our expert Business Financing Advisors work within our 75+ Lender Marketplace in real time to give you easy access to the best low-interest SBA loans.
SouthFork Funding offer a variety of loans for both homeowners and future homeowners. With over 3 billion in loans originated, customer satisfaction is our top priority.
Together, we work hard to be leaders in the industry, to stand out from the competition, securing loans when others cannot. Southfork Funding can close loans in 30 days or less
1377 Motor Parkway, Suite 100, Hauppauge, NY, 11749
Lends in New York
Summit Funding Solutions Offers the Financing That You Need, Summit Funding Solutions in a national name in commercial finance and business loans. Whether you are starting a new business or have an established company that needs capital, we offer a wide range of products and services to meet your needs.
