USDA VS FHA in Islandia, Suffolk County, NY

In 2026, the USDA loan limit in Islandia, Suffolk County, NY, is $776,600, whereas the FHA limit for a single-family home is $1,089,300.

Leverage the Lendersa® USDA loan calculator to examine the best USDA versus FHA rates today, determining the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator facilitates side-by-side comparisons of USDA, FHA, Conforming, and VA loans, assisting you in selecting the top program in for your financial needs.

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2026 Loan Limits and Downpayment Requirements in Islandia, Suffolk, NY

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

USDA and FHA Loan Options in Islandia, NY

At Lendersa®, our objective is to secure for you the ideal USDA or FHA loan quickly and without hassle. Choose one of three starting options to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in NY

The USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan, or USDA mortgage, is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage does not necessitate any down payment.

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



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  • Premier Mortgage Consultants LTD
  • 14700 Detroit Ave, Suite 3, Lakewood, OH, 44107
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    Your Trusted Lending Partner

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  • WEE Federal Credit Union
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  • Best Reward Federal Credit Union
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  • GoVa Loans
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