USDA Vs. FHA your options comparison in North-Babylon, Suffolk County, NY

In 2025, USDA loan limit in North-Babylon, county of Suffolk, NY is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in North-Babylon, 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 North-Babylon, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • West Texas State Bank
  • 5009 College Avenue, Snyder, TX, 79549
  • Since 1950, our mission has been to provide you with friendly and professional financial services. Times and technology may have changed, but our commitment to that mission has not. We continue to think that we're big enough to serve you, yet small enough to know you. And as always, if visiting one of our two locations is not convenient for you.
  • Scurry County School Federal Credit Union
  • 1903 40th Street, Snyder, TX, 79549
  • Scurry County School FCU was established in 1954 by the educators of Scurry County to help other educators with their savings and loan needs. As time went on the membership field was expanded to include employees of the city, county, Cogdell hospital, and Western Texas College. Our office is conveniently located and we are here to serve you.
  • VAPR Federal Credit Union
  • 2400 Carr.177, San Juan, PR, 00926
  • VAPR FEDERAL CREDIT UNION is a nonprofit cooperative founded in 1950 and organized to provide our members with low-cost financial services. We are governed by a volunteer Board of Directors, elected by and for the partners. Being a member of the Cooperative is a privilege that is recognized exclusively to employees in our field of associates.
  • Roscoe State Bank
  • 117 Cypress St, Roscoe, TX, 79545
  • Roscoe State Bank's long history of growth and stability is directly tied to its unique culture, where we believe in treating our customers like neighbors. As you enter our bank we want to greet you as if it was across the fence of your backyard. We provide banking services that answer to where you are in your life.
  • Megamerica Mortgage
  • 19210 Huebner Rd, Suite 205, San Antonio, TX, 78258
  • Megamerica Mortgage is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Texas. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt,
  • Statewide Mortgage and Lending
  • 2710 Treble Creek, Suite 100, San Antonio, TX, 78258
  • Statewide Mortgage and Lending is a locally owned and operated mortgage brokering company based in San Antonio, TX. We have been serving your community with exceptional loan services for more than 20 years. Our professionals will always perform in-house processing to provide you with timely and efficient loan services.
  • Premier Lending Group Inc
  • 401 East Sonterra Boulevard, Suite 375, San Antonio, TX, 78258
  • We are a family owned business that opened in 1998. We have dedicated ourselves to providing the most comprehensive residential and commercial real estate, and business financing products available anywhere, to providing the most experienced and knowledgeable professionals dedicated to delivering extraordinary service to our clients
  • Jefferson Bank
  • 1777 Northeast Loop 410, San Antonio, TX, 78217
  • Jefferson Bank is a family-owned bank serving communities in San Antonio and surrounding areas in the Texas Hill Country. Through the years, Jefferson Bank has created an elite team of highly skilled, family oriented and civic-minded individuals who contribute to the Bank continuing success.
  • VALUE FUNDING INCORPORATED
  • 126 Lanark Drive, San Antonio, TX, 78218
  • ValueFunding.Net offers the most complete types of loan programs to be found on the web. Our staff has many years of experience in areas of specialization from our select list.. View the many programs offered on the loan programs page. Access our loan application section to have your commercial and residential funding requirements met