During 2025, 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 .
2025 Loan Limits and Down Payment Requirements in Ridge, 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 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.
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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