USDA Vs. FHA your options comparison in Huntington-Station, Suffolk County, NY

In 2025, the USDA loan limit in Huntington-Station, within the county of Suffolk, NY, stands at $657,900. For a single-family residence, the FHA limit is set at $822,375.

Utilize the Lendersa® USDA loan calculator to compare the most competitive USDA and FHA rates available today. This tool aids in assessing the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, helping determine the most suitable program for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Huntington-Station, County of Suffolk, NY

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

Explore USDA and FHA Loan Options in Huntington-Station, NY

The aim of Lendersa® is to facilitate quick and hassle-free access to the best USDA or FHA loans. Start by choosing one of the three avenues to connect with suitable lenders and USDA loan programs.

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What is a USDA Loan in NY?

A USDA home loan, guaranteed by the U.S. Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is specifically available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages do not require any down payment, offering a notable advantage for eligible applicants.

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



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