USDA Loan Vs. FHA loan for Ridge, NY [Suffolk County ]

During 2026, the USDA loan limit in Ridge, located in the county of Suffolk, NY, is at $776,600. Meanwhile, the FHA limit for a single-family home stands at $1,089,300.

Employ the Lendersa® USDA loan calculator to weigh today's leading USDA vs. FHA rates, and assess the income, credit, reserves, and documents necessary for qualification. This advanced mortgage calculator outlines USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best option for your financial situation in .

USDA and FHA Loan Options in Ridge, NY

Lendersa® aims to efficiently secure you the best USDA or FHA loan options without hassle. Choose from three initial pathways to connect with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan is a government-backed loan offered by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. These loans are available exclusively in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment.

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(715) 255-8526 Lender's profile and map Reviews Citizens State Bank of Loyal 400 North Main Street, Loyal, WI, 54446 We are proud to be an independently owned community bank! We serve the communities and rural areas in Central Wisconsin. We strive to know our customers personally and to provide them with quality services, products and financial advice. We pride ourselves on our impact and involvement in the wonderful communities that we serve.
(256) 332-3600 Lender's profile and map Reviews Valley State Bank 15565 Highway 43 Bypass, Russellville, AL, 35653 Valley State Bank is a locally owned and operated bank that was formed with one simple operating principle: To provide the members of our community with the best financial services to help them achieve their financial goals.Our staff here at Valley State Bank has decades of experience in banking.
(256) 332-5315 Lender's profile and map Reviews Community Spirit Bank 14009 Highway 43, Russellville, AL, 35653 Community Spirit Bank was the town of Red Bay’s first bank. We opened with the name Bank of Red Bay on June 11, 1908 in the Red Bay Hotel. Our roots run deeper than any other business in this community. We pride ourselves on being a true community bank and serving the citizens of our communities.
(877) 332-1710 Lender's profile and map Reviews CB&S Bank 200 Jackson Avenue South, Russellville, AL, 35653 CB&S Bank is a leading community Bank with over $2 billion in assets, headquartered in Russellville, Alabama. We operate 56 branches in the Alabama, Mississippi, and Tennessee markets and employ more than 500 people. We are a local, community Bank with proven success and staying power.
(386) 760-0607 Lender's profile and map Reviews Coastal Lending Services Inc 3624 South Atlantic Avenue, Daytona Beach, FL, 32118 At Coastal Lending Services, Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism,
(205) 221-6250 Lender's profile and map Reviews Security Federal Savings Bank 301 Third Avenue, Jasper, AL, 35501 Security Federal Providing excellent service to our customers is our primary objective. Each employee must be committed to excellence in order to achieve this objective. As a small community Bank where each employee has contact with customers, YOU represent the Bank. Our actions and attitude can either gain customers or lose them.
(309) 582-2005 Lender's profile and map Reviews Mercer Credit Union 100 SE 3rd Street, Aledo, IL, 61231 Mercer Credit Union was founded in 1969. The credit union has assets totaling $2.99 Million and provides banking services to more than 500 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
(563) 585-3737 Lender's profile and map Reviews AIM Credit Union 1200 Associates Drive, Suite 102, Dubuque, IA, 52002 Formerly Alliant Credit Union (ACU) is powered by you because it was developed by the employees of our utility company in 1933. They listened to the financial needs of their co-workers and chartered the Credit Union to answer those needs. Depositors were members/owners of ACU. AIM Credit Union is unique.