USDA Vs. FHA your options comparison in Montauk, Suffolk County, NY
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 .
Loan Limits and Down Payment Requirements in Montauk, Suffolk, NY for 2026
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Montauk, NY
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.
264 South River Road, Suite 460, Bedford, NH, 03110
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.
Cambridge Trust is a private bank that creates custom financial solutions to build, grow and protect wealth for the needs of today’s individuals, families, businesses, private partnerships and nonprofit organizations. Each of our clients has a dedicated private banker who understands their needs
I’m Charley Farley with HarborOne Mortgage. Over the past 25 years my team of loan officers and I have helped thousands of New Hampshire homebuyers in Manchester, Concord, Nashua, Salem, Keene, Lebanon, Bedford, Hollis, the North Country and the Seacoast! I've financed thousands of homeowners all over New Hampshire since 1991
American Mortgage Partners, Inc. Our mortgage representatives specialize in providing home loans to borrowers in New Jersey and Pennsylvania. We have decades of experience offering top-notch client service. In addition to conventional and FHA, VA, and USDA loans, we provide solutions beyond traditional banking.
Established in 1980, in Chatham, NJ Mortgage Access Corp. is licensed in over 40 states. As a Licensed Mortgage Banker, Mortgage Access Corp. derives its mortgage products from many sources & investors; unlike banks or savings & loan institutions, which are often limited by the availability of their own deposits & a single lending philosophy.
Lakeland Bank is the wholly-owned subsidiary of Lakeland Bancorp, Inc., with over $8 billion in total assets. With an extensive branch network and commercial lending centers throughout New Jersey and Highland Mills, NY, the Bank continues to build on its infrastructure of financial strength, profitability, efficiency and quality service.
25 Lindsley Drive, Suite 209, Morristown, NJ, 07960
Our mortgage representatives specialize in providing home loans to first time home buyers and FHA purchases in Morris County as well the greater New Jersey and New York state area. We deliver an unparalleled level of service and the lowest possible loan rate in the business. Upon this – we have built our reputation, for over a decade
"We are a full service mortgage broker in Morristown, New Jersey with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance to reverse mortgages. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates"
575 South Willow Street, Suite 211, Manchester, NH, 03103
At Empire Mortgage Corporation. We are a full-service mortgage company based in Manchester, NH. We specialize in FHA Loans, VA Loans, and Conventional Loans in New Hampshire. Whether you are buying a home or refinancing in the granite state, we can help you realize your dream of homeownership
