USDA Vs. FHA Pro and Con comparison in Patchogue, Suffolk County, NY
In 2026, the USDA loan limit for Patchogue, located in Suffolk county, NY, is $776,600. Meanwhile, the FHA cap for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to explore the best USDA versus FHA rates today, evaluating income, credit, reserves, and documents needed to qualify. This advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the program that best suits your financial situation in .
2026 Loan Limits and Down Payment Requirements in Patchogue, Suffolk, NY
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Options in Patchogue, NY
The goal of Lendersa® is to quickly connect you with the optimal USDA or FHA loan with minimal hassle. You can choose from three starting points to find matching lenders offering USDA programs.
A USDA home loan is a government-guaranteed loan through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans require no down payment.
At Integrity Mortgage Center LLC We are a Licensed Mississippi and Louisiana Mortgage Company that has been servicing the Miss- Lou since 2008. We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage
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On June 2, 1903, with their application for Charter approved, First National Bank opened its doors for business;
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The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
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