In 2026, the USDA loan cap for Melville in Suffolk county, NY, is $776,600. Meanwhile, the FHA limit for a single-family home is set at $1,089,300.
Use the Lendersa® USDA loan calculator to compare today's top USDA against FHA rates, assessing income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, guiding you on the best program for your financial situation 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 deliver the best USDA or FHA loans quickly and without hassle. Begin with one of three starting points to find lenders and appropriate USDA loan programs matching your needs.
The USDA home loan, supported by the government’s Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is exclusive to rural areas. FHA loans require a minimum down payment of 3.5%, but USDA loans do not need any down payment, making them accessible.
Enter your location to find out if it qualifies for USDA rural housing loan?
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