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

In 2026, 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.

Explore loan offers from a selection of 100 lenders

2026 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?



  • Common Trust Federal Credit Union
  • 8 Cedar Street, Woburn, MA, 01801
  • Common Trust Federal Credit Union is a member-owned financial institution that provides personal banking services. Our mission is to be the familiar face that guides our membership to financial stability by building lifelong relationships with each individual and providing them with the solutions needed to meet their unique goals

  • Priority Funding
  • 300 Trade Center Drive, Suite 4580, Woburn, MA, 01801
  • Priority Funding Solutions specializes in getting your business the capital it needs fast. Small and medium businesses sometimes struggle to raise the funds needed to succeed when going through a bank or other traditional lender. Priority Funding Solutions approves satisfactory applications in as little as 24 hours.

  • Sparta Financial LLC
  • 400 TradeCenter, Suite 5900, Woburn, MA, 01801
  • At Sparta Financial, LLC we use our experience to help our clients achieve their dream of home-ownership throughout Massachusetts & New Hampshire. We carefully analyze their needs to ensure they end up with the right mortgage product. Our mission is simple; Provide great service and develop long lasting relationships

  • LENDMARK MORTGAGE COMPANY
  • 400 Tradecenter Dr Suite #5900, Woburn, MA, 01801
  • Lendmark Mortgage Corporation is a Mortgage Brokerage company specializing in providing a variety of mortgage loans. Since its inception in 2005, Lendmark has experienced significant growth by following its original mission of meeting the personal lending needs of clients, by offering a combination of low rates and superior service.

  • MCTFCU
  • 39 Market Street, Amsterdam, NY, 12010
  • Since 1960, MCT has been creating financial solutions for the people who live and work in Montgomery County. If you’ve been thinking about joining us, what’s stopping you? We accept members from most local businesses, and if your employer isn’t on our list yet, it’s easy, fast, and free to sign on.

  • Hometown Mortgage Corp
  • 4200 State Hwy 30, Amsterdam, NY, 12010
  • Hometown 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 1st.Take advantage of our expertise in the residential lending industry by applying online today.You will find that the skill, professionalism & consideration we give to each of our client

  • MassPrivateLending.Com, Inc.
  • 113 Ripley Rd, Cohasset, MA, 02025
  • MassPrivateLending.Com is both a direct lender and a facilitator. We pre-screen borrowers and determine if they will qualify for a loan with one of our private investors or lenders. Our due diligence consists of reviewing the property to be pledged as collateral, reviewing the borrower’s proposed loan summary

  • Saratoga's Community Federal Credit Union
  • 444 Geyser Road, Ballston Spa, NY, 12020
  • Saratoga’s Community Federal Credit Union is a full service; not-for-profit, community focused financial institution. We exist solely to serve our members and our communities by helping them make financial decisions that best meet their individual needs. Our business plan is structured to provide exceptional personal service.

  • TCT Federal Credit Union
  • 416 Rowland Street, Ballston Spa, NY, 12020
  • TCT was founded in 1959 by a small group of teachers and school staff who wanted to pool their savings together to loan each other money when banks would not. At TCT, you're not a customer or a transaction, you're a member and an owner. We care about your financial well-being and your overall peace of mind when it comes to your savings and loan nee