USDA and FHA Pro and Con in Patchogue, Suffolk County, NY
In 2025, 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 .
2025 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 Reliance First Capital our goal is to help homeowners and prospective homeowners receive the right mortgage for their specific financial goals. We achieve this by customizing home loan programs that match each of our client's unique needs and situation. We are an approved FHA, VA, Fannie Mae and Freddie Mac lender.
25 Melville Park Road, Suite 100, Melville, NY, 11747
"We are a Faith Focused Mortgage Team. Serving clients across the United States. And helping families with arguably the most important purchase of their life.
What’s special here though… is that we’ve gotten to put together a team with Christian values, faith & family at our core."
We are a direct lender and our service and commitment to quality is legendary. Throughout the years, thousands of homeowners have come to count on Interstate because of our commitment to assisting individuals and families achieve their dream of owning or keeping their family home.
East Coast Capital was founded in 1999 by Seth Fass who still remains the leader of the organization to this day.The company continues to grow at a staggering rate by only hiring the most qualified professionals & educating them on a culture that has persevered to this day. Trust coupled with expertise allows our firm to stay ahead of the industry.
One Huntington Quadrangle, Suite 1N09, North Tonawanda, NY, 11747
With our highly knowledgeable and professional Mortgage Consultants and Processing Department, we will get you the best loan to fit your needs. As an industry leader, Affordable Financial Services LTD takes pride in our vast knowledge of the mortgage industry and its products available to today’s borrower.
201 Old Country Rd, Suite 140, Melville, NY, 11747
Our company focuses on educating first time home buyers, saving people money through refinances, giving people the opportunity for a better life through reverse mortgages, and above all education and transparency. We were founded by Steven A. Milner over 2 decades ago, and have been committed to “Helping You Make It Home®” since. Founded in 1994
445 Broad Hollow Rd, Suite 334, Great Neck, NY, 11747
Reliant Home Funding is a tried and true mortgage lender serving clients nationwide. We understand that owning a home is a big deal – and you deserve the right home loan for the job. That’s exactly what we’re committed to providing and We are uniquely positioned on the wholesale mortgage market to provide our clients.
At POM (Peace Of Mind) Capital & Funding Services, we generously offer commercial finance solutions to all types of businesses. It doesn’t matter to us if you’ve already been turned down by another lender. We have reasonable qualification criteria that make it easy for most small businesses to qualify. We also have many different financial products
Ion Capital Solutions is here to help when the banks say no! We can provide funding options for Real Estate Investors, Wholesalers, and Business Owners. We offer only the most competitive interest rates and terms available through our Nationwide Lender Network, and we offer virtually every alternative solution in the marketplace.
MMP Capital offers a much-needed streamlined approach to the commercial financing market with a special focus on meeting the financing needs of such industries as aesthetic, medical, graphic arts, dental, technology, veterinarian, and eye-care. Our programs enable us to empower businesses like yours.
First Rehab Lending is nationwide, direct private lender providing short-term loans to facilitate the acquisition and rehabilitation of non-owner occupied residential real estate for experienced investors. We understand that for investors to be successful in this industry, they rely heavily on their lender to provide timely and efficient services.
