In 2025, the USDA loan limit for Rocky-Point, situated in the county of Suffolk, NY, is set at $657,900, while the FHA limit for a single-family home is $822,375.
The Lendersa® USDA loan calculator offers a way to compare the prime USDA versus FHA rates available today. It helps assess the income, credit, reserves, and necessary documents for qualification. This advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you ascertain the best program for your financial situation in
Compare loan offers from 100 different lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The goal of Lendersa® is to quickly find the best USDA or FHA loan options for you, hassle-free. Choose one of the three starting options to connect with matching lenders offering USDA loan programs.
The USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available only in rural areas. Contrary to FHA loans, which require a minimum of 3.5% down payment, USDA mortgages require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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