As of 2026, the USDA loan limit in Port-Jefferson-Station, which is within Suffolk, NY, is $657,900. Meanwhile, the FHA limit for a single-family residence is $822,375.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. Determine the required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which program in Alabama is best for your financial situation.
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| Loan Type | Loan Limit | Down payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
Lendersa® aims to connect you with the best possible USDA or FHA loan swiftly and without hassle. Opt for one of three starting points to align with lenders and access USDA loan programs.
A USDA home loan, insured by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgage loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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