In 2026, the USDA loan limit for Montauk, located in Suffolk county, NY, is $776,600, whereas the FHA limit for a single-family home stands at $1,089,300.
Use the Lendersa® USDA loan calculator to examine the best current rates for USDA versus FHA loans. Determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side-by-side, helping you identify the best program 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% |
Lendersa® is committed to securing the best USDA or FHA loan for you swiftly and effortlessly. Select one of three starting points that lead to matches with lenders and USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage. It is available solely in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment, providing a significant advantage to eligible applicants.
Enter your location to find out if it qualifies for USDA rural housing loan?
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