USDA Vs. FHA Pro and Con comparison in North-Great-River, Suffolk County, NY

In 2025, the USDA loan limit for North-Great-River in Suffolk County, NY is $657,900, while the FHA limit for a single-family home is $822,375.

Leverage the Lendersa® USDA loan calculator to compare today’s optimal USDA versus FHA rates. Determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in suits your financial situation best.

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2025 Loan Limits and Down Payment Requirements in North-Great-River, 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-Great-River, NY

The objective of Lendersa® is to promptly connect you with the best USDA or FHA loan options, without unnecessary hassle. Select one of three different starting points to find matching lenders and suitable USDA loan programs.

Results from Lendersa USDA loan request and matching

Understanding USDA Loans in NY

A USDA home loan, also termed a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is exclusively available in rural areas. FHA loans require a minimum 3.5% down payment, whereas USDA loans demand no down payment.

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



  • Washington Trust Mortgage Company
  • 23 Broad Street, Westerly, RI, 02891
  • Washington Trust Mortgage Company LLC originates residential real estate mortgage loans, including construction, purchase and refinancing, through its offices in Massachusetts, Connecticut and Rhode Island. Our team of experienced mortgage professionals is dedicated to providing customized.
  • Westerly Community Credit Union
  • 122 Granite Street, Westerly, RI, 02891
  • "Started in 1948, Westerly Community Credit Union (WCCU) has grown to a $257 million financial institution with over 18,250 members. Our members are served by 65 employees via 4 branches in RI; 2 in Westerly, 1 in Richmond, and 1 in South Kingstown. Recently, the WCCU was awarded 'Best Places to Work 2018'​ by the Providence Business News"
  • Milestone Mortgage Solutions
  • 54 High Street, Westerly, RI, 02891
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  • Northwest Community Bank
  • 86 Main Street, Winsted, CT, 06098
  • In 1996, the two banks merged into Northwest Community Bank. Headquartered in Winsted, today we have branches in Avon, Granby, New Hartford and Torrington—as well as our nationally recognized academic branch in Northwestern Regional School No. 7 High School. While still deeply committed to our local area,
  • Lakehurst Naval Federal Credit Union
  • 60 Lansdowne Road, Lakehurst, NJ, 08733
  • Membership is easy and forever. If you would like to become a member of Lakehurst Naval Federal Credit Union, come in and complete a membership application card. Once you become a member, you can always remain a member. As our member, you are not just another customer ... you are part of our family!
  • Global Unity Mortgage
  • 71-1 Wilson Lane, Vernon Rockville, CT, 06066
  • Global Unity Mortgage reduce any unnecessary stress and anxiety. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding you the right loan, with the best rates, terms and costs to meet your unique needs.We are equipped with the latest software, programs and information available the mortgage m
  • Americay Mortgage Corporation
  • 154 Talcottville Road, Vernon Rockville, CT, 06066
  • At Americay Mortgage Corp, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options
  • Orange Bank &Trust Company
  • 212 Dolson Ave, Middletown, NY, 10940
  • Orange Bank & Trust Company is an independent bank that began with the vision of 14 founders over 125 years ago. It has grown through conservative banking practices, ongoing innovation and an unwavering commitment to its community and business clientele to more than $2.0 billion in total assets.
  • Commercial Mortgage Brokers
  • 610 Lacey Rd, Forked River, NJ, 08731
  • Commercial Mortgage Funding, LLC is a commercial mortgage brokerage firm which provides access to funding sources financing Commercial Real Estate nationwide (U.S.) with capital needs of $1, 000, 000 ($1MM) minimum. It intermediates between capital providers and the principals of commercial real estate projects and leverages its relationships.