USDA Vs. FHA your options comparison in Middle-Island, Suffolk County, NY

For 2025, the USDA loan limit in Middle-Island, situated in the county of Suffolk, NY, is set at $657,900, whereas the FHA limit for a single-family dwelling is $822,375.

Utilize the Lendersa® USDA loan calculator to effectively compare today's USDA and FHA rates. Determine the necessary income, credit, reserves, and documentation required for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding you in deciding which program suits your financial needs best in .

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Loan Limits and Down Payment Requirements for 2025 in Middle-Island, County of Suffolk, NY

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in Middle-Island, NY

The objective of Lendersa® is to secure the best possible USDA or FHA loan for you efficiently and without hassle. Choose from one of three starting points to connect with matching lenders and USDA loan programs.

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What is a USDA Loan in NY?

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the government Department of Agriculture. This loan is exclusively available in rural areas. Unlike FHA loans requiring at least a 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?



  • The Gill Group
  • 485 E. 17th Street, Suite 200 & 202, Costa Mesa, CA, 92627
  • our full loan approval process is unique in comparison to the average lender's pre-approval process. My team is structured to provide a high level of customer service. Please contact us to inquire about the advantages of our VIP buyer program!”val process is unique in comparison to the average lender's pre-approval process.
  • American Heritage Lending
  • 485 E 17th Street, Suite 220, Costa Mesa, CA, 92627
  • American Heritage Lending is a retail mortgage company headquartered in Costa Mesa, CA. Established in 2004, American Heritage Lending was founded to be a company set apart from an already impacted market. Licensed in multiple states across the US, the premise of our company evolved into the pinnacle for our success.
  • Jewelry-N-Loan
  • 1872 Newport Blvd., Costa Mesa, CA, 92627
  • Jewelry-N-Loan is a one-of-a-kind, family-owned jewelry store and pawnshop located in Costa Mesa, California. We pride ourselves on being the leading resource in Orange County for purchasing, selling, trading, and lending against fine watches, gold, coins, diamonds, and jewelry. Our history starts with our family that has been proudly serving the p
  • Coast Jewelry & Loan
  • 1836 Newport Blvd, Costa Mesa, CA, 92627
  • Our business is the oldest Collateral Brokerage in Orange County and is still family owned, operated and running! Not many business operations can say they have done so for almost 70 years and still stay under the same ownership. Orginally located in Santa Ana, our business moved in 1995.
  • Fund USA Corp.
  • 2183 Fairview Road, Unit 217-D, Costa Mesa, CA, 92627
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Integr8tive Solutions Inc
  • 2388 Santa Ana, Costa Mesa, CA, 92627
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • ESCO Mortgage Advisors
  • 161 East 21st Street, Costa Mesa, CA, 92627
  • "We provide buy-side, sell-side and market infrastructure firms with a full-service offering, including systems integration and technology consulting services, to assist in delivering high performance trading and settlement More than 25 years of experience working in the industry has enabled us to build our services"
  • Orange Coast Loan Services, Inc.
  • 244 Magnolia Street, Costa Mesa, CA, 92627
  • Experience is critical when you choose a mortgage professional. Ken Greene obtained his real estate salespersons license in 1994 and his brokers license in 2004 (NMLS 234239). He is the licensed broker and President of KenLends.com (NMLS 337762). en is a seasoned veteran in the mortgage broker business.
  • Khosravi Mortgage
  • 260 Santa Isabel Avenue, Costa Mesa, CA, 92627
  • Khosravi Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.