USDA Vs. FHA Pro and Con comparison in Merrick, Nassau County, NY
In 2025, the USDA loan limitation in Merrick, county of Nassau, NY, stands at $0, whereas the FHA limit for a single-family residence is $1,089,300.
Leverage the Lendersa® USDA loan calculator to assess current USDA versus FHA rates and identify necessary income, credit, reserves, and documentation for qualification. Our advanced calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best option in for your financial needs.
Loan Limits and Down Payment Requirements for 2025 in Merrick, Nassau, NY
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Alternatives in Merrick, NY
Lendersa® aims to provide the best USDA or FHA loans quickly and with minimal hassle. Choose one of three starting points to connect with lenders offering the right USDA loan programs for you.
A USDA home loan is government-backed by the Department of Agriculture and is also called a USDA rural development loan or USDA mortgage, designated for rural areas. Distinct from FHA loans requiring at least a 3.5% down payment, USDA loans have no down payment requirement.
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