USDA Vs. FHA Pro and Con comparison in North-Bellmore, Nassau County, NY

For the year 2025, the USDA loan cap in North-Bellmore, situated in the county of Nassau, NY, is set at $0. Meanwhile, the FHA cap for a single-family dwelling is $822,375.

Leverage the Lendersa® USDA loan calculator to evaluate and contrast today’s leading USDA and FHA rates. Understand the required income, credit, reserves, and documents for eligibility. Our robust mortgage calculator offers a comparative analysis of USDA, FHA, Conforming, and VA loans side by side, guiding you to choose the most suitable program available in tailored to your unique financial profile.

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2025 loan limits and down payment conditions in North-Bellmore, county of Nassau, NY

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

Explore USDA and FHA loan choices in North-Bellmore, NY

Lendersa® is committed to securing the ideal USDA or FHA loan for you swiftly and with no hassle. Choose from three initial steps that culminate in matching lenders with the USDA loan programs suitable for you.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in NY

A USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and it is specifically available for rural locations only. Unlike FHA loans that demand at least a 3.5% down payment, USDA mortgage loans require no down payment whatsoever.

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



  • Safe Lending Mortgage Corp
  • 7071 Warner Ave, Suite F396, Huntington Beach, CA, 92647
  • "SafeLending is a mortgage company founded in Huntington Beach, CA but serves all of Orange County, Los Angeles County, and San Fernando Valley County. ​ The founder, Safe Habashi, has been in the mortgage business for nearly 25 years. His extensive experience allows him to work creatively with every client and every situation."
  • Union 1st Inc.
  • 16152 Beach Boulevard, Suite 101, Huntington Beach, CA, 92647
  • We've been helping customers afford the home of their dreams for many years and we love what we do. 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.
  • Advanced Horizon Lending
  • 7755 Center Avenue, 11th Floor, Huntington Beach, CA, 92647
  • At Advanced Horizon Lending we specialize in all types of mortgage financing. Whether you are a first time homebuyer, or a veteran investor, our experience, rates and speed make us stand apart from other lenders. If you are buying a new home, refinancing your existing mortgage or taping some of the growing equity in your home we are here to help.
  • Flex Funding
  • 7755 Center Avenue, Suite 1100, Huntington Beach, CA, 92647
  • Flex Funding in Huntington Beach, California, is led by Monica Victorino who is a full-service licensed broker. Our clientele steadily increased over the years and helped in turning our company into what it is today. Our business is based on four key elements, knowledge, skills, discipline, and ethics.
  • Alliance West Financial Corporation
  • 17111 Beach Boulevard, Suite 100, Huntington Beach, CA, 92647
  • Alliance West Financial Solution for the local Real Estate market. Our mission is to provide our clients with the highest professionalism and ethics, whether looking for a new home, making investment strategies, avoiding foreclosure or navigating the REO process. We are here to make the home buying process as simple.
  • Nuvision Federal Credit Union
  • 7812 Edinger Avenue., Huntington Beach, CA, 92647
  • Born nearly a century ago as the credit union of Douglas Aircraft, our values were forged in the factories and plants that made the region prosper. At its core is a commitment to strength, independence and discipline. A belief that if you work hard enough, a better life is always possible. Not just for yourself, but future generations to come.
  • Universal Commercial Capital
  • 8907 Warner Ave Ste 145, Huntington Beach, CA, 92647
  • Universal Commercial Capital is a U.S. based, private money lender. A trusted resource in real estate mortgage lending, Universal Commercial Capital is known for its flexible, common-sense underwriting and efficient, hassle-free loan programs.and also steadfast commitment to helping its clients reach their full financing potential
  • Roxford Holdings Inc
  • 6400 E Washington Blvd, Suite 105, Commerce, CA, 90040
  • We pride our self in making every transaction simple for you. We will take care of everything in the transaction from beginning to end so you can focus on what matters most to you. Roxford Holdings is here to offer guidance and support when navigating the ups and downs of home ownership.
  • Bridge Capital Home Loans
  • 221 E. Glenoaks Blvd, Suite 225A, Glendale, CA, 91207
  • Bridge Capital Home Loans is a boutique mortgage brokerage based out of Glendale CA. With over 30 years of combined experience in the lending industry, our team of experienced agents offers specialized and mortgage services with competitive rates, low down payment options and personalized service.
  • Exceed Capital Lending
  • 606 East Glenoaks Boulevard, Suite 120, Glendale, CA, 91207
  • Our simple application process can be completed in less than a minute. We assess your strengths as a borrower. We take care of the underwriting process once your application is pre-qualifeid. After we obtain the minimal required documentations from you, our underwriters get to work and don’t rest until we get you funded.