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.
For over 120 years, we have been a vital part of every community we serve. We opened in Ada, OK in 1900. In 2004, we changed our name from the First National Bank and Trust Company of Ada to Vision Bank. We now serve communities throughout south central Oklahoma and beyond.
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Citizens Bank of Kansas is a state bank that specializes in hometown banking needs. CBK has maintained its commitment to helping build strong communities by offering traditional banking services including residential, commercial, and consumer loans, as well as a broad range of deposit accounts for retail and commercial customers.
The Farmers and Merchants State Bank of Langdon has been serving the residents and businesses of Langdon and surrounding Cavalier County since 1974. We offer a wide variety of traditional banking products as well as state-of-the-art services like internet banking and bill pay. Our friendly, knowledgeable, and professional staff members are always r
Unlock homeownership with Platinum Eagle Mortgage! With expertise in home purchase and refinancing, we simplify the lending process. Whether you're planning your first purchase or refinancing, Hillary Bryand provides expert guidance from start to finish. Dedicated to exceptional service, contact Hillary at 9035205141 or email Hillary.bryand@pemloan
Keystone Credit Union was founded in 1964 by leaders of the Tyler Pipe Industry in an effort to protect their employees from being taken advantage of. That ethos and mission is still true today – we work hard to provide exceptional financial services, education, and solutions to meet the needs of each and every one of our members
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The First National Bank opened the Motor Bank at the corner of Main and Fifth streets. The facility featured a new service for Durant residents, an ATM. The full service Northwest Heights Branch at 19th and University began operating in 1986. A remodel and expansion to the branch was completed in the spring of 2003 to accommodate a larger lending
Doches Credit Union is Nacogdoches’ only hometown not-for-profit financial cooperative that provides a full range of financial products and services to Nacogdoches, Shelby, San Augustine and Sabine Counties.
The credit union was chartered on November 7th, 1951 with an original field of membership.
Alba-Golden Federal Credit Union has as its mission, the responsibility for providing an efficient, effective and well managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Alba-Golden Federal Credit Union will continue a sound yet progressive asset management strategy.
