In 2026, the USDA loan limit in Oceanside, county of Nassau, NY, is $0. Meanwhile, the FHA limit for a single-family home is $1,089,300.
Use Lendersa® USDA loan calculator to assess today's leading USDA vs. FHA rates and determine the income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can view the USDA, FHA, Conforming, and VA options side by side to choose the best program for your financial circumstances in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® aims to secure the best available USDA or FHA loans for you quickly and without hassle. Start by selecting one of three options to connect with matching lenders and suitable USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. USDA loans do not require a down payment, unlike FHA loans that require a minimum of 3.5% down.
Enter your location to find out if it qualifies for USDA rural housing loan?
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