In 2026, the USDA loan cap for Lake-Ronkonkoma, in the county of Suffolk, NY, is $657,900, whereas the FHA limit for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to evaluate today's premier USDA versus FHA rates. Determine the income, credit, reserves, and necessary documents to qualify. Our mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, aiding your decision of the best program in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $657,900 | 0% | |
| FHA | $822,375 | 3.5% | |
| Conventional Conforming | $822,375 | 3% |
Lendersa® aims to quickly and efficiently provide you with the best USDA or FHA loan options. Choose one of three starting points to connect with matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is primarily for rural areas. Unlike FHA loans, which necessitate at least a 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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