USDA VS FHA in Sands-Point, Nassau County, NY

In 2025, the USDA loan limit for Sands-Point, located in Nassau, NY is $0, while the FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. Determine the required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can examine USDA, FHA, Conforming, and VA programs side by side, assisting in selecting the best option in for your financial scenario.

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2025 Loan Limits and Down Payment Requirements in Sands-Point, Nassau, NY

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

Options for USDA and FHA Loans in Sands-Point, NY

Lendersa® aims to efficiently provide you with the ideal USDA or FHA loan, quickly and hassle-free. Choose from three starting strategies to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan is guaranteed by the Department of Agriculture and is known as either a USDA rural development loan or mortgage. It is exclusively available in rural areas, unlike FHA loans which require a minimum down payment of 3.5%, the USDA mortgage demands none.

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



  • Family 1st Federal Credit Union
  • 917 Moravia Street, New Castle, PA, 16101
  • It has been a pleasure to serve our members for over 50 years! Since 1951, we have grown not only in membership, but also in services, enabling usto be your primary financial institution. Family 1st is a financial cooperative owned and operated by its members, that will assist the members to meet their financial needs.
  • SELECT MORTGAGE, INC.
  • 2530 Village Common Dr., Erie, PA, 16506
  • SELECT MORTGAGE, INC. our industry resources make us uniquely qualified to offer you a variety of flexible mortgage programs with an unsurpassed level of customer service. We are able to offer FREE same day pre-approvals! We're here to answer your questions and to help you understand every step
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  • 117 Worthington Ave, New Castle, PA, 16105
  • Our goal Is to provide quality and ethical mortgage lending advise while providing the highest level of professional service. We reach out to lenders across the country to find you the best rate on your mortgage. Why let a high mortgage rate spoil your next house or a bank have you pay more for a loan then you need.
  • Mortgage Placement Services
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  • Mortgage Placement Services is a State approved mortgage broker working with the Nation's largest wholesale lending institutions. Our objective is to arrange real estate secured financing for our customers with particular emphasis on creating a favorable overall financial condition for them. Each member of the MPS Staff is a thoroughly trained.
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  • Multi-Schools Federal Credit Union is dedicated to being faithful to its members. Its mission is to provide financial support and guidance following the "People-not-Profit" philosophy. At the Credit Union we endlessly strive to offer our members a wide range of quality products & services, mixed with the individual attention that everyone deserves.
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  • 900 Pennsylvania Ave, Monaca, PA, 15061
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  • Community Bank
  • 2111 North Franklin Dr, Suite 200, Washington, PA, 15301
  • For more than 119 years, Community Bank has been personally involved in our community. Business owners, nonprofit groups, government agencies, school administrators and individual personal account holders aren't just our customers; they're our friends and neighbors. By taking the time to get to know you,
  • Washington Area FCU
  • 75 Landings Drive, Washington, PA, 15301
  • In June of 1959, a group of school employees met to consider the formation of a credit union for their co-workers in the greater Washington, PA area. From this original group of 10, each contributing $5.25, the Washington Area Teachers Federal Credit Union was chartered. By the end of 1959 the credit union had grown to 52 active members.