USDA VS FHA in North-Massapequa, Nassau County, NY

For 2026, the USDA loan cap in North-Massapequa, within Nassau county, NY, is $0. Comparatively, for a single-family dwelling, the FHA limit is $822,375.

Utilize the Lendersa® USDA loan calculator to assess today’s top USDA and FHA rates and see what income, credit, reserves, and documents are needed for eligibility. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side by side to help determine which program in best aligns with your financial profile.

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2026 Loan Limits and Down Payment Requirements in North-Massapequa, Nassau, NY

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

Considering USDA and FHA Loan Choices in North-Massapequa, NY

The mission of Lendersa® is to swiftly provide you with the best USDA or FHA loans, minus the hassle. Choose one of three initial steps to connect with compatible lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, guaranteed by the government’s Department of Agriculture, widely known as a USDA rural development loan or USDA mortgage, is only available in rural locations. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans do not require any down payment at all.

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



North-Massapequa Lenders

  • City Island Associates Inc
  • 4242 Merrick Road, Massapequa, NY, 11758
  • Lends in New York
  • At City Island Associates, inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We place loans with a variety of lenders.

  • MMP Capital
  • 19 Engineers Ln, Farmingdale, NY, 11735
  • Lends in New York
  • MMP Capital offers a much-needed streamlined approach to the commercial financing market with a special focus on meeting the financing needs of such industries as aesthetic, medical, graphic arts, dental, technology, veterinarian, and eye-care. Our programs enable us to empower businesses like yours.

  • First Rehab Lending
  • 71 Gazza Blvd, Farmingdale, NY, 11735
  • Lends in New York
  • First Rehab Lending is nationwide, direct private lender providing short-term loans to facilitate the acquisition and rehabilitation of non-owner occupied residential real estate for experienced investors. We understand that for investors to be successful in this industry, they rely heavily on their lender to provide timely and efficient services.

  • South Shore Mortgage
  • 325 E. Sunrise Hwy, Lindenhurst, NY, 11757
  • Lends in New York
  • The South Shore Mortgage Team is your premier mortgage team located in Lindenhurst, New York. South Shore Mortgage offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Lindenhurst area.Established in 1987.

  • UNMB Home Loans Inc.
  • 3601 Hempstead Turnpike, Suite 300, Levittown, NY, 11756
  • Lends in New York
  • UNMB Home Loans Inc. is strong. Our business is built through the heart and soul of our team. From CEO Don Giorgio to our mortgage loan originators to our administrative and support staff, we stand strong in our mission to provide the most responsible and sound financing options to our clients.

  • Bethpage Federal Credit Union
  • 899 S Oyster Bay Rd, Bethpage, NY, 11714
  • Lends in New York
  • Bethpage Federal Credit Union has been serving its members and their communities for 80 years. Just like when we first opened our doors for Grumman employees in 1941, we’re keeping our promise to continuously meet the changing needs of our members with personal service and value.

  • Metro Realtors Federal Credit Union
  • 346 Sunrise Highway, West Babylon, NY, 11704
  • Lends in New York
  • As a Non-Profit Credit Union, banking with MRFCU makes you a Member and an Owner. We are structured so that we can focus on bringing our members the best quality banking services and products. Being a smaller credit union helps us to focus on each of our member's needs and provide them top quality service.

  • Mortgage Professionals Corp
  • 12 Merrick Avenue, Merrick, NY, 11566
  • Lends in New York
  • Our Company, Mortgage Professionals Corp. was started in 1991 and over the years, we have helped thousands of clients to obtain a mortgage both on purchases as well as refinances. Since we are Mortgage Brokers we have a database of several lenders, Bankers, Investors and private lenders and we cater in helping all types of clients.

  • Lufthansa Employee Federal Credit Union
  • 1900 Hempstead Turnpike, Suite 408, East Meadow, NY, 11554
  • Lends in New York
  • Since 1970 Lufthansa Employee Federal Credit Union has been there for all Lufthansa Group companies delivering financial security and service. We are employee owned and non-profit so whether you are getting a mortgage or loan, or saving for that something special, your Credit Union is here to help.

    We offer a full range of products and service