USDA and FHA Pro and Con in Rockville-Centre, Nassau County, NY

In 2026, the USDA loan limit for Rockville-Centre, in the county of Nassau, NY, is set at $0, while the FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare current top rates between USDA and FHA loans, determining the income, credit, reserves, and documents you need to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the most suitable program in for your financial requirements.

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2026 Loan Limits and Down Payment Requirements in Rockville-Centre, Nassau, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Exploring USDA and FHA Loan Options in Rockville-Centre, NY

At Lendersa®, we strive to find you the best USDA or FHA loan quickly and without hassle. Begin with one of three pathways to match with lenders and discover suitable USDA loan programs for your needs.

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What Is a USDA Loan in NY?

A USDA home loan, also known as a USDA rural development loan or a USDA mortgage, is guaranteed by the U.S. Department of Agriculture and is specifically available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



Rockville-Centre Lenders

  • TrustAFi LLC
  • Rockville Centre, Rockville Centre, NY, 11570
  • Lends in New York
  • With over 25 years of combined experience in the financial industry, our team can provide you with the resources and the education you need to grow your business. Will you use the capital to purchase additional inventory? Do you need cash to cover payroll? Do you want to expand into a new space? We have a solution that fits all of your needs. We wi

  • Fellowship Home Loans
  • 100 Merrick Rd, Suite 516E, Rockville Centre, NY, 11570
  • Lends in New York
  • FHL staff have been in the radio and mortgage industry for more than ten years now and have worked hard to build a positive relationship not only with our clients, but with everyone in the community they serve.

    We pride our on always doing the right thing for our clients and those that follow us on the radio.

  • Commercial Mortgage Connection, Inc.
  • 265 Sunrise Highway, Suite 1196, Rockville Centre, NY, 11570
  • Lends in New York
  • Commercial Mortgage you’re trying to invest in commercial real estate or buy a building for your business, finding the right loan can be like working on a puzzle with pieces missing. With our knowledge, experience and curated network of lenders, CMC can find the perfect solution for your unique lending needs.

  • Prudential Borrowing LLC
  • 450 Sunrise Highway, Rockville Centre, NY, 11570
  • Lends in New York
  • Prudential Borrowing specializes in Home Refinance, Reverse Mortgages, Home Purchases, Commercial Lending and Stated Loans. We at Prudential Borrowing strive to build lasting relationships with our clients and do our best to make it a smooth experience throughout the loan process.

  • The Town of Hempstead Employees Federal Credit Union
  • 1830 Grand Avenue, Baldwin, NY, 11510
  • Lends in New York
  • The Town of Hempstead Employees Federal Credit Union was born in 1963, when ten men envisioned a need for their fellow workers and families. These ten men; Jerome Lowenthal, Andrew J. Parise, Paul Satz, Joseph J. Zaharis, Abram C. Williams, Quentin D. Suits, Frank J. Vurture, Gerard J. Venter, Robert J. Scaramuccia, Robert G. Smith, personified the

  • Ocean Financial Federal Credit Union
  • 45 Atlantic Avenue, Oceanside, NY, 11572
  • Lends in New York
  • Ocean Financial (formerly Oceanside Christopher Federal Credit Union), the Catholic Credit Union, was chartered in 1969 by members of the Father Joseph O’Connell Knights of Columbus Council in Oceanside, New York. Over the past 40 years, Ocean Financial FCU has steadily expanded, and now serves as a full-service financial organization

  • Bridgeview Mortgage
  • 1200 Hempstead Turnpike, Franklin Square, NY, 11010
  • Lends in New York
  • Bridgeview Mortgage Corp into your first home or an experienced buyer interested in cashing out equity, you have come to the right place! There are nearly as many loan options as there are home buyers. We are pros at helping find you the right one: consolidating high-interest debt, refinancing your home or cashing out equity to use toward a vacatio

  • Sunrise Mortgage Company Inc
  • 49 Guy Lombardo Avenue, Freeport, NY, 11520
  • Lends in New York
  • We are a full service residential and commercial Mortgage Broker with more than 14 years in the business. Since our inception in 2000 Sunrise Mortgage Company, Inc. has set itself apart from the competition by adjusting to today’s market. We offer a wide array of mortgage products for New Home Purchases