In 2026, the USDA loan limit in Mattituck, within the county of Suffolk, NY, is $776,600, whereas the FHA limit is set at $1,089,300 for single-family homes.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. Determine the income, credit, reserves, and paperwork necessary for eligibility. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best plan 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% |
The objective of Lendersa® is to quickly secure you an ideal USDA or FHA loan with minimal trouble. Begin with one of three routes to connect with lenders and find suitable USDA loan options.
The USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively for rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, 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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