USDA VS FHA in Lindenhurst, Suffolk County, NY

In 2026, the USDA loan limit for Lindenhurst, located in Suffolk County, NY, is set at $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.

Leverage the Lendersa® USDA loan calculator to assess the best available rates between USDA and FHA loans today. Determine the income, credit, reserves, and documents you need to qualify. Our advanced mortgage calculator allows for side-by-side comparisons of USDA, FHA, Conforming, and VA loans, aiding in selecting the optimal program for your financial situation in .

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Loan Limits and Down Payment Requirements for 2026 in Lindenhurst, 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 Lindenhurst, NY

Lendersa® is committed to helping you secure the best possible USDA or FHA loans quickly and effortlessly. Choose from three starting points to connect with lenders and explore USDA loan programs.

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Understanding USDA Loans in NY

The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the government through the Department of Agriculture and is offered only in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans have no down payment requirement.

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



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