USDA and FHA Pro and Con in Oakdale, Suffolk County, NY
In the year 2025, within Oakdale, county of Suffolk, NY, the USDA loan limit is $776,600, while the FHA limit for a single-family residence is $1,089,300.
Utilize the Lendersa® USDA loan calculator to juxtapose today’s best rates for USDA and FHA loans. This enables understanding of the necessary income, credit, reserves, and documents for qualification. Our comprehensive mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, guiding you to the optimal program for your financial situation in .
2025 loan limits and down payment requirements for Oakdale, Suffolk, NY
Type of Loan
Loan Limit
Minimal Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Alternatives in Oakdale, NY
Lendersa® is committed to helping you secure the most advantageous USDA or FHA loan swiftly and effortlessly. Begin with one of the three available pathways to connect with matching lenders and USDA loan opportunities tailored to your needs.
USDA home loans are government-guaranteed through the Department of Agriculture, often referred to as USDA rural development loans or USDA mortgages, targeted at rural communities. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages entail no down payment at all.
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