USDA VS FHA in North-Sea, Suffolk County, NY

In 2025, the USDA loan limit for a single-family home in North-Sea, county of Suffolk, NY, stands at $657,900. Meanwhile, FHA limits are $822,375.

Utilize the Lendersa® USDA loan calculator to compare today's USDA and FHA rates. Assess essential qualifications like income, credit, reserves, and needed documents. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the most suitable program for your finances in .

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

Lendersa® aims to promptly connect you with the ideal USDA or FHA loan, without the hassle. Choose from three starting options to match with lenders and USDA programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is available solely in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans need no down payment at all.

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



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