USDA Vs. FHA Pro and Con comparison in Selden, Suffolk County, NY
In 2025, the USDA loan limit in Selden, located in the county of Suffolk, NY, stands at $776,600. Meanwhile, for a single-family home, the FHA limit is set at $1,089,300.
Utilize the Lendersa® USDA loan calculator to evaluate the most competitive USDA vs. FHA rates today. Determine the income, credit, reserves, and requirements necessary to qualify. Our comprehensive mortgage calculator not only compares USDA and FHA but also shows Conforming and VA loans, facilitating your decision on which program in is ideal for your specific financial circumstances.
2025 Loan Limits and Down Payment Specifications in Selden, County of Suffolk, NY
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Possibilities in Selden, NY
The mission of Lendersa® is to secure the best USDA or FHA loans swiftly and without complexity. Choose among three initial options that lead to aligning with appropriate lenders and USDA loan offerings.
A USDA home loan, guaranteed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is specifically available for rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans necessitate no down payment at all, offering a more accessible option.
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In 2005, Bryan's parents were misled by a mortgage company and purchased a home with a risky variable rate. They struggled to make their payments and had many hardships throughout the years. This motivated me to pursue a career in the mortgage industry in order to help families make intelligent financial decisions.
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