In 2026, the USDA loan limit for Mastic, in Suffolk, NY, is $776,600. The FHA limit for a single-family home is $1,089,300.
With the Lendersa® USDA loan calculator, you can compare current USDA and FHA rates and determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator enables you to view side-by-side comparisons of USDA, FHA, Conforming, and VA options, guiding your decision on the best program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® aims to connect you swiftly with the best USDA or FHA loans without hassle. You can choose one of three starting points to match with lenders and discover USDA loan programs.
A USDA home loan, known also as a USDA rural development loan or mortgage, is backed by the government's Department of Agriculture and is specifically available in rural areas. Unlike FHA loans which require a minimum 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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