USDA Vs. FHA Pro and Con comparison in Massapequa-Park, Nassau County, NY

In 2025, the USDA loan cap for Massapequa-Park in Nassau, NY is $0, whereas the FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA best rates, uncovering the necessary income, credit, reserves, and paperwork for qualification. Our advanced mortgage calculator helps you view USDA, FHA, Conforming, and VA loans side by side, assisting in your choice of the most suitable program in for your financial situation.

Review offers from 100 lenders

2025 Loan Limits and Down Payment Needs in Massapequa-Park, Nassau, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Opportunities in Massapequa-Park, NY

The goal of Lendersa® is to swiftly deliver the best possible USDA or FHA loans without hassle. Choose from three starting points to find matching lenders and USDA loan programs that meet your needs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is exclusively accessible in rural areas. Unlike FHA loans requiring a 3.5% down payment minimum, USDA loans do not require any down payment, broadening accessibility.

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



  • Citizens Tri-County Bank
  • 201 N Jackson Street, Tullahoma, TN, 37388
  • Citizens Tri-County Bank was organized in 1972 as Citizens Bank, and received its bank charter in June of that same year. The new bank opened for business in October, 1972, with $500, 000 in capital, initially operating in a trailer at the bank’s current Main Office location in downtown Dunlap, Tennessee.
  • Ascend Federal Credit Union
  • 520 Airpark Drive, Tullahoma, TN, 37388
  • At Ascend, our mission is to "Raise Possibilities"​ for our members. This means opening new doors for financial freedom, guiding people through money matters using sound experience and knowledge, and providing an environment where you can feel comfortable knowing we have only your best interests in mind.
  • Mortgage Connection
  • 609 Wilson Avenue, Tullahoma, TN, 37388
  • Mortgage Connection is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
  • INmortgage Co
  • 820 Geneva Pkwy, Suite 106, Lake Geneva, WI, 53147
  • INmortgage Co mission is to strive to provide a new level of excellence along with a fresh transparent approach in the mortgage industry. We boast the top of the line technologies, broad range of programs, comprehensive marketing and experienced staff comprised of top producing loan originators, and management.
  • Ironhorse LLC
  • 150 4th Avenue North, 20th Floor, Nashville, TN, 37219
  • Ironhorse LLC is comprised of former accomplished Bankers, CFO’s & Financial Managers – we have owned businesses & know first-hand how critical it is to have adequate capital to operate and grow a business. We operate Ironhorse with purpose & within a culture of honor to represent our small business customer with integrity and a sense of service.
  • Enbright Credit Union
  • 1214 Church Street, Suite 100, Nashville, TN, 37246
  • Enbright Credit Union began as Electric Service Credit Union. The employees of Nashville Electric Service founded the credit union in 1951, when eleven charter members deposited $5 each plus a twenty-five-cent membership fee. The State of Tennessee approved the credit union’s charter
  • Peshtigo National Bank
  • 250 French St., Peshtigo, WI, 54157
  • Peshtigo National Bank is an independent, locally owned community bank serving Marinette, Oconto, Brown, and Shawano counties (WI), as well as Menominee county (MI). Full service branches are located in Peshtigo, Marinette, Coleman, Gillett, and Oconto Falls, WI, along with a Loan Servicing Office in Antigo, WI.
  • Wisconsin Medical Credit Union
  • 1677 South Webster Avenue, Green Bay, WI, 54301
  • Wisconsin Medical CU was started by Mr. Leland Clark who had worked with Mrs. Leonard Hearden on Payroll and Personnel at St. Vincent Hospital. Mr. Clark thought a credit union would be a good way for employees to help other employees. A credit union is a not-for-profit organization made up of a group of people who join together to save money.