USDA and FHA Pro and Con in North-Lindenhurst, Suffolk County, NY

During 2025, the USDA loan limit for North-Lindenhurst in the county of Suffolk, NY, is set at $657,900, whereas the FHA loan limit for a single-family home is $822,375.

Leverage the Lendersa® USDA loan calculator to assess and contrast the best USDA and FHA rates today. Determine the necessary income, credit, reserves, and documentation required for qualification. With our comprehensive mortgage calculator, you can review USDA, FHA, Conforming, and VA options side by side, aiding you in deciding the optimal program for your financial needs in .

Compare loan offers from 100 lenders now

2025 Loan Limits and Down Payment Requirements in North-Lindenhurst, County of Suffolk, NY

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Exploring USDA and FHA Loan Options in North-Lindenhurst, NY

The mission of Lendersa® is to secure the optimal USDA or FHA loan swiftly and without hassle. Choose one of three starting points to connect with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture, meant for rural areas exclusively. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages do not require any down payment.

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



  • US Wide Financial
  • 2200 W Port Plaza Dr, Suite 312, Saint Louis, MO, 63146
  • US Wide Financial was founded in March of 2009, on the heels of the Great Recession. Trust and integrity in the lending industry had been lost. We started our company because we wanted to do things differently and bring back the basics. Today our values are still the same: Relationships, Trust, Integrity, Teamwork.
  • First Integrity Mortgage Services
  • 1807 Park 270 Drive, Suite 265, St. Louis, MO, 63146
  • Our reputation makes us far from a secret. However, some people may be unfamiliar with our private Mortgage Banking firm. Unlike big-tent lenders, we refuse to flood our clients with unwanted cross-selling offers of credit cards, money markets, auto loans. Clients come to us from sources more powerful than television, radio or any print media.
  • Golden Oak Lending
  • 11737 Administration Drive, Saint Louis, MO, 63146
  • Golden Oak Lending, we speak mortgage and love translating it for you.The mortgage industry is full of technical, industry-based terminology and our local, experienced loan officers will help you make sense of it all in an easy-to-understand way. Our team uses this knowledge to align the right loan program that fits your needs & puts more savings.
  • LutheranFCU
  • 10733 Sunset Office Drive, Suite 406, Saint Louis, MO, 63127
  • We have all the products you would expect of large financial institutions, and the personal service you want. And whether you are opening LCMS organization or personal accounts, you will find accounts with no maintenance or annual fees, exceptional online access, remote deposit capability, and for personal loans, excellent rates.
  • IMS Mortgage Services LLC
  • 3636 S Geyer Rd, Saint Louis, MO, 63127
  • At IMS Mortgage Services, we are committed to our values of service, empowerment & accountability. These values are not only for our customers, but for each other as well. We are the best mortgage professionals in the industry bar none.We do things faster & less expensive than our competition & quite frankly, we simply do what others only promise.
  • Essex Residential Mortgage LLC
  • 3770 S. Lindbergh Blvd, Suite 101, St. Louis, MO, 63127
  • We're committed to helping you find the right mortgage product for your needs. Every borrower, and every loan is different. We're small enough to have the flexibility needed to get your loan closed, but large enough to offer a wide variety of loan programs and customized options to meet all your needs.
  • ARTIS COMMERCIAL CAPITAL LLC
  • 177 Cedar Bridge Ct, St. Louis, MO, 63141
  • Unlock your potential with ARTIS COMMERCIAL CAPITAL LLC, a premier direct lender and broker/advisor specializing in Ground Up Construction, Fix and Flip, and DSCR loans. Collaborate with us and gain access to over 1,000 capital providers, including FDIC banks and SBA 7a programs that close in 30 days, ensuring the lowest rates for your project. Let
  • Lankford Capital
  • 12747 Olive Blvd, Saint Louis, MO, 63141
  • At Lankford Capital, we provide customized lending solutions and debt advisory services to real estate investors and developers at every stage of their journey. Specializing in direct lending for 1-4 unit, non-owner-occupied residential properties with loan amounts from $100,000 to $5 million, we empower investors with the capital needed to scale t