USDA VS FHA in Searingtown, Nassau County, NY

In 2025, the USDA loan limit for a single-family home in Searingtown, county of Nassau, NY, is $0. Conversely, the FHA limit is $1,089,300.

Use the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates of today. This tool helps assess the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the ideal program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Searingtown, Nassau, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Options in Searingtown, NY

The goal at Lendersa® is to efficiently connect you to the best USDA or FHA loan, hassle-free. Choose one of three starting pathways to find compatible lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Exactly is a USDA Loan in NY?

The USDA home loan, backed by the Department of Agriculture—aka a USDA rural development loan or mortgage—is only available in rural areas. Unlike FHA loans necessitating a down payment of at least 3.5%, 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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  • Hi, I'm Ms. Bynum, Owner/CEO of "Pretty Gurls Investments" I have been in the mortgage and finance industry for over 13 years. I assist RE investors nationwide with project funding for their Real Estate projects. You can also email me your Executive Summary for my review, if you are not ready to apply just yet. PrettyGurlsInvestments@gmail.
  • LC Lending Inc
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  • We are a Miami-based private money lender providing investment property loans in many states. We specialize in asset-backed loans with an easy, quick loan application process. We pride ourselves with having the shortest closing and most efficient closings in the market (5 days).