As of 2026, the USDA loan limit in Islip-Terrace, situated within Suffolk county, NY, is set at $657,900. On the other hand, the FHA cap for a single-family home is $822,375.
Employ the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, and pinpoint the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, guiding you to select the optimal program for your financial situation in
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| Type of Loan | Loan Limit | Down Payment |
|---|---|---|
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
Lendersa® strives to promptly secure the best USDA or FHA loan without complication. Choose from three different starting points that connect with suitable lenders and USDA loan programs.
The USDA home loan, assured by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is specifically for rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not demand any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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