USDA Vs. FHA your options comparison in Oceanside, Nassau County, NY

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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2026 Loan Limits and Downpayment Requirements in Oceanside, County of Nassau, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Options in Oceanside, NY

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.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

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?



  • ASC Mortgage Group
  • 8401 Lake Worth Road, Suite 110, Lake Worth, FL, 33467
  • Whether you are purchasing your first home or wanting to refinance your current mortgage, our Mortgage Loan Originators will do their best to find competitive rates. Our team will guide you through the entire process in hopes of making everything seamless and easy for you! Alexander Cockrell is the Owner of ASC Mortgage Group.

  • AMCI HOMESLLC
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  • AMCI HOMES, LLC is the key to your FINANCING. You need a Mortgage AMCI HOMES has a solution for you. AMCI HOMES.LLC was incorporated on 31 Aug 2017 as Florida Limited Liability Company type, registered at 6801 LAKE WORTH .RD SUITE 109 LAKE WORTH, FL 33467. Amci Homes.llc has 5 total employees across all of its locations.

  • Goldlynk Charter Llc
  • 8461 Lake Worth Road, Lake Worth, FL, 33467
  • When buying a home, there's none more important than the person you choose to represent you. We'll explain the process of buying your new home, and guide you through all the ups and downs and get closed on time.REGINALD WILLIAMS Owner of GOLDLYNK CHARTER LLC. If you are ready to start your buying or selling process give me a call at 561-667-8900.

  • Village Bank
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  • Village Bank is a community bank that is family-owned and operated. The primary focus of Village Bank is always on customer service and satisfaction. We not only offer the latest in banking products and services, but also employees that back them up. Our staff is committed to meeting the individual needs of customers

  • Voyageur Financial Inc
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  • Crews Bank
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  • PREMIER NATIONWIDE LENDING
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  • Reliance State Bank
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  • Reliance State Bank is a local, full-service bank proudly serving Story City, Garner and the surrounding communities. We offer all the traditional banking products and services you need, along with the latest on-the-go banking options you want. Our commitment is to deliver the highest quality service to each and every customer.

  • Premier Credit Union Credit Union of Des Moines
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  • Premier Credit Union is your community credit union located in Des Moines, Iowa with branch locations in West Des Moines and Ames. We’re proud to support our members with the financial resources, lending opportunities and digital banking solutions they need. Premier Credit Union began as Bankers Life Employees Credit Union on September 11, 1933.

  • Polk County Credit Union
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