USDA and FHA Pro and Con 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 .

Explore loan offers from 100 different lenders

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?



  • Hartford Federal Credit Union
  • 964 Asylum Avenue, Hartford, CT, 06105
  • Hartford Federal Credit Union is a community chartered credit union serving all of Hartford, Middlesex, & Tolland counties. The Credit Union is a non-profit financial cooperative owned by its members & governed by a volunteer Board of Directors elected from the membership. The Credit Union has been serving its members'​ financial needs since 1961.
  • Jovia Financial Credit Union
  • 1000 Corporate Drive, Westbury, NY, 11590
  • As a non-profit, member-owned credit union, you can bet your bottom dollar that we have lower rates on loans & higher earnings on deposits.Plus, there’s so much more we have to offer, like benefits beyond your everyday banking needs. Afterall, we’re here to serve you! We offer helpful advice by hosting free seminars & events to educate & enlighten.
  • Lynx Mortgage Bank LLC
  • 143 Post Avenue, Westbury, NY, 11590
  • Lynx Mortgage Bank LLC was founded by a small group of mortgage and financial professionals on Long Island, NY with one goal in mind: to offer our customers a straightforward “no surprises” approach to the home buying process.Today, we are one of New York’s premier mortgage companies with a sizable client base who won’t hesitate to recommend us.
  • New York Community Bank
  • 615 Merrick Ave, Westbury, NY, 11590
  • New York Community Bank serves customers through branches encompassing eight divisions: Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank, and Atlantic Bank in New York; Garden State Community Bank in New Jersey; Ohio Savings Bank in Ohio; and AmTrust Bank in Florida and Arizona.
  • Meadowbrook Financial Mortgage Bankers Corp.
  • 1600 Stewart Ave, Suite 701, Westbury, NY, 11590
  • Meadowbrook Mortgage Bankers is an established Mortgage Banker with over 50 years of management experience. Meadowbrook is an FHA, Fannie Mae, Freddie Mac, and VA Direct Endorsed Lender. We are licensed throughout the East Coast and growing; to fulfill our vision of becoming a nation-wide lender.
  • Mid-Island Mortgage Corp
  • 900 Merchants Concourse Suite #112, Westbury, NY, 11590
  • Mid-Island Mortgage Corp. our borrowers never settle for just any home, any rate, or typical service. They expect the best and they get the best! This customer-centric culture stems from our 55 year heritage. We believe that our value proposition goes well beyond "the lowest rate"​ and, since we are highly competitive with our rates
  • ACRES Capital
  • 865 Merrick Ave. 2nd Floor S., Westbury, NY, 11590
  • ACRES fills the considerable capital gap for operators by focusing on commercial real estate investments that are overlooked by traditional lenders. We specialize in short-term debt investments from $10 million to $80 million nationwide, providing a variety of capital solutions to our clients with properties in primary and secondary markets nationw
  • Mortgage Professionals Corp
  • 12 Merrick Avenue, Merrick, NY, 11566
  • 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.
  • Right Trac Financial Group
  • 110 Main Street, Manchester, CT, 06042
  • "Our vision is to make sure that the American Dream lives on. That if you want to own a home you can because of our ability to obtain a mortgage which will improve your life. That if you are moving from one home to another you can because of our ability to obtain a mortgage which will improve your life."
  • The First Bank of Greenwich
  • 444 East Putnam Avenue, Cos Cob, CT, 06807
  • When you walk into The First Bank of Greenwich, it doesn’t feel like a bank. It feels like a place that can only be described as quintessentially Greenwich. That’s because we are so ingrained into the community that our customers – whether individuals or small business owners – feel instantly at home here.
  • Speritas Capital Partners
  • 14 Relay Place, Greenwich, CT, 06807
  • As a business owner you need diverse sources of funding to fuel your growth – for a business acquisition, real estate purchase, equipment purchase, mobilization financing, working capital and more. Some capital needs are expected and can be planned for and carefully structured, others are urgent.
  • Members Credit Union
  • 126 East Putnam Ave, Cos Cob, CT, 06807
  • Members Credit Union was started in 1935 by nine Greenwich, CT school teachers who were not able to get small loans at the local banks. They came together to form a cooperative, pooled their money and lent it to each other. They were proud to help each other meet their needs. Through the years we expanded our services to include other school staff.