In 2026, the USDA loan limit for Mastic-Beach, located in Suffolk county, NY, amounts to $657,900. Meanwhile, the FHA limit for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to compare the leading USDA and FHA rates of the day, as well as determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to view the USDA, FHA, Conforming, and VA options side by side, assisting you in making the best decision for your financial situation 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% |
The aim at Lendersa® is to efficiently provide you with the best USDA or FHA loans without any hassle. Choose any of the three starting points to connect with matching lenders and USDA loan programs.
A USDA home loan is a government-backed loan through the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, and is available solely in rural neighborhoods. In contrast to FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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