FHA Vs. USDA loan program for North-Sea, Suffolk County, New York

In 2026, 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 .

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.

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North-Sea Lenders
(516) 387-4666 Lender's profile and map Original Funding 575 Underhill Blvd, Suite 216, Southold, NY, 11971 Lends in New York Original Funding is not a lender. We provide a service to prospective borrowers wherein we submit their secure application information to our network of lenders. We do not collect a fee from the applicants. Our mission is to match prospective borrowers with our preferred network of lenders. There is no guarantee that your application
(631) 324-8201 Lender's profile and map Par East Mortgage 15 Toilsome Lane, East Hampton, NY, 11937 Lends in New York PAR East is the East End's premier full-service mortgage company, with 25+ years of experience closing loans in New York’s tricky real estate market. Through this experience navigating the over-whelming demands of big banks, PAR East has built a reputation for bringing loans across the finish line with professionalism and ease.
(800) 300-7780 Lender's profile and map Home America Lending Corp. 20 Oak Street, Patchogue, NY, 11772 Lends in New York MCS Mortgage Bankers is a mortgage bank with operations in twenty-six states. MCS Mortgage Bankers offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, FHA 203(k), VA, USDA and reverse mortgages. MCS Mortgage Bankers is a FREEandCLEAR Certified Bronze Low Rate Lender.
(631) 447-6533 Lender's profile and map Asean Capital 116 E Main St, Suite C, Patchogue, NY, 11772 Lends in New York ASEAN CAPITAL, INC. was started in 1998 by Dula Amarasinghe, a 30 year veteran of International Banking Industry. During his tenure with Manufacturers Hanover Trust Company, now JP Morgan Chase Bank, he was the Team Leader handling the business of Sri Lanka, Thailand, Philippines, Pakistan and Nepal desks.
(631) 924-7328 Lender's profile and map Suffolk Federal Credit Union 3681 Horseblock Rd, Medford, NY, 11763 Lends in New York Suffolk Federal Credit Union is committed to a relationship with our members based on trust and respect as we deliver Better Banking for Long Island. We understand that each of our members has their own dream or vision of what they want to accomplish financially, whether it's the purchase of a new home or new car.