In 2026, within Long-Beach located in the county of Nassau, NY, the USDA loan limit is set at $0, while the limit for FHA pertaining to a single-family home is $822,375.
Make use of Lendersa®'s USDA loan calculator to efficiently compare the top USDA versus FHA rates available today. This tool helps determine the necessary income, credit rating, reserves, and documents needed to qualify. With our cutting-edge mortgage calculator, you'll see USDA, FHA, Conforming, and VA loans side by side to assist in finding the best option for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
At Lendersa®, we aim to provide you with the best USDA or FHA loan quickly and easily. Start the process by choosing from one of three initial paths leading to matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the U.S. government via the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage needs no down payment, offering a significant advantage for eligible rural borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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