USDA and FHA Pro and Con in Sea-Cliff, Nassau County, NY

In 2026, the USDA loan limit in Sea-Cliff, within Nassau county, NY, stands at $0. For a single-family home, the FHA limit is $822,375.

Utilize the Lendersa® USDA loan calculator to compare USDA and FHA rates available today and determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting in selecting the best program for your financial needs in .

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2026 Loan Limits and Downpayment Requirements in Sea-Cliff, Nassau, NY

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

USDA and FHA Loan Choices in Sea-Cliff, NY

Lendersa® is focused on getting you the best possible USDA or FHA loan quickly and without problems. You can select any of three starting paths to connect with matching lenders and find USDA loan programs.

Lendersa USDA loan request and matching results

Explaining the USDA Loan in NY

A USDA home loan, also referred to as a USDA mortgage or rural development loan, is supported by the government's Department of Agriculture and is available specifically in rural areas. In contrast to FHA loans needing a minimum 3.5% down payment, USDA loans require no down payment at all.

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



Sea-Cliff Lenders

  • First Central Savings Bank
  • 70 Glen Street, Glen Cove, NY, 11542
  • Lends in New York
  • First Central Savings Bank has grown from a simple concept to what we are today: a vibrant, thriving, all-inclusive community bank that hasn’t wavered from its original aim of friendly, personalized service. We are committed to enriching our communities, driving local economic growth, and cultivating lasting relationships.

  • Malve Capital
  • 26 Harbor Park Drive, Port Washington, NY, 11050
  • Lends in New York
  • Malve Capital is your premier partner for real estate investment loans. As a direct private lender, we specialize in fix-and-flip, ground-up construction, bridge, and DSCR loans for 1-4 unit residential properties. Our national reach connects experienced investors with in-house capital, offering competitive pricing and swift, trauma-free closings.

  • Port Washington Federal Credit Union
  • 157 Main Street, Port Washington, NY, 11050
  • Lends in New York
  • Port Washington FCU began serving the community of Port Washington in 1968. Our Credit Union is now open to those who reside, work or worship in Port Washington, Manhasset, Great Neck, Roslyn. We are serving over 45 companies & municipalities in our communities by offering credit union services via payroll deduction to their employees.

  • The Heart Center Federal Credit Union
  • 100 Port Washington Boulevard, Roslyn, NY, 11576
  • Lends in New York
  • The Heart Center Federal Credit Union has been open since 1976. The credit union has assets totaling $23.8 Million and provides banking services to more than 2, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to healthcare services employees.

  • Americana Mortgage Group
  • 1615 Northern Blvd, Suite 404, Manhasset, NY, 11030
  • Lends in New York
  • We are a full service mortgage company located in Manhasset, NY. We specialize in Home mortgages in New York, New Jersey Conneticut and Florida. We can help you realize your dream of home ownership, or help you save money by obtaining a new lower monthly payment.Established in 1996.

  • ShareStates
  • 8 Bond St #100, Great Neck, NY, 11021
  • Lends in New York
  • Sharestates is an online real estate lending and investing marketplace connecting investors with developers and rehabbers seeking funding. Using proprietary technology, we acquire, fund, and service projects faster and at lower costs than traditional financing. We offer investors exclusive opportunities while providing borrowers fast, affordable ca

  • Iron Fund
  • 150 Great Neck Road, Suite 102, Great Neck, NY, 11021
  • Lends in New York
  • Iron Fund is a Direct Capital Provider for loan officers, brokers, and third-party originators. Iron Fund specializes in Fix & Flips/ Bridge Loans, Ground- Up Construction, and 30-Year DSCR Loans. Our new broker platform provides a full technology suite with same-day loan approvals and secure document uploads.

  • Truen Associate Inc
  • 10 Cutter Mill Rd, Suite 202, Great Neck, NY, 11021
  • Lends in New York
  • Truen & Michaels, LLC offers the best selection of bridge loans and conventional financing in all 50 states. No matter where your project is located, and what type of real estate project you are looking to finance, we can match you with the loan program which will help you achieve your goals.

  • HUDSON GROUP REALTY NETWORK; REAL ESTATE BROKERAGE & COMMERCIAL LENDING
  • 55 Northern Boulevard, Suite 400, Great Neck, NY, 11021
  • Lends in New York
  • HGRN was formed in 2012 as a direct response to the need for clients to have access to the information they needed when buying or selling property. With the many programs in NY for first time homebuyers or for the information needed to complete a 1031 tax exchange, Hudson Group Realty Network Inc, is prepared to guide the client from inception.