USDA and FHA Pro and Con 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 .
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.
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.
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