USDA Vs. FHA your options comparison in Shelter-Island, Suffolk County, NY
As of 2025, the USDA loan limit in Shelter-Island, which is in Suffolk, NY, is $657,900, whereas the FHA limit for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates. Determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs side by side, helping choose the right option for your financial needs in .
2025 Loan Limits and Down Payment Requirements in Shelter-Island, Suffolk, NY
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Options for USDA and FHA Loans in Shelter-Island, NY
At Lendersa®, the aim is to quickly secure your ideal USDA or FHA loan without hassle. Choose one of three starting points connecting you with lenders and exploring USDA loan programs.
A USDA home loan, supported by the Department of Agriculture, also called a USDA rural development loan or mortgage, is only available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, a USDA mortgage requires none.
25195 SW Parkway Ave, Suite 204, Wilsonville, OR, 97070
Kahren Oxner Helping her clients realize their dreams of homeownership, has been my passion for over 21 years. Kahren will be forever grateful to the amazing mentors and leadership opportunities I’ve had along the way, and am humbled as a Senior Loan Officer at UMortgage, to be able to do the same for our team in return.
9450 South West Commerce Circle, Suite 401, Wilsonville, OR, 97070
Tom Griffith and team have a combined experience of 50 years in the mortgage industry and felt there was a better way to facilitate a clients needs without eliminating inefficacies in the communication process. Borrow Smart Mortgage takes this into account by leveraging strategies to make the home buying process quick and affordable.
23046 Avenida de La Carlota, Suite 665, Laguna Hills, CA, 92653
Our mortgage experts give you the individual attention you deserve and treat you right. We know you're making a commitment in purchasing a home, refinancing, or tapping into your home equity. So we make a commitment to you: we can help you qualify, apply and be approved for the very best mortgage for you.
Our mission is to be the home financing partner that you trust to serve your family, friends, and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty, and ethics is the foundation of all of our relationships
22981 Triton Way, Suite D, Laguna Hills, CA, 92653
Greentree Property Management is dedicated to providing you with the highest standards in property management. As opposed to other companies who will also focus on homeowner association management, we choose to focus only on property management services for residential properties.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
23276 S Pointe Dr, Suite 113, Laguna Hills, CA, 92653
Binesh Realty Group has been in the Real Estate services business in the Orange County markets for many successful years and will be here for many more. This longevity and confidence comes from our Real Estate services to a great many buyers and sellers, and their recommendations to others that result in repeat
23276 South Pointe Drive, Suite 211, Laguna Hills, CA, 92653
Loan Experts, we understand that what works for one borrower does not work for another. We strive to find a loan that is beneficial to you, our client, and one that achieves your goals! That is ultimately our goal. Loan Experts is committed to providing our clients with the highest quality loan along with some of the lowest rates in California
26511 Bridlewood Drive, Suite A, Laguna Hills, CA, 92653
Countywide Home Loans. We are a full-service mortgage company based in Laguna Hills, CA. We specialize in Home Purchase Loans and Refinance in all of Southern California. Whether you are buying a home or refinancing in Ventura, Los Angeles, Orange, San Diego, San Bernardino or Riverside counties
23330 Mill Creek Drive, Suite 150, Laguna Hills, CA, 92653
Qualified Home Loans is a full service California Mortgage Brokerage that creates opportunity for home buyers & transactions for real estate agents. At Qualified we match expertise, diverse loan offerings & personal attention. Our talented team of dedicated professionals will custom tailor a loan strategy for you to accomplish your family’s goals.
23022 La Cadena, Suite 203, Laguna Hills, CA, 92653
Homeland Financial Network, Inc was founded in 2007 as a mortgage broker firm. We have since evolved into a direct lender. Due to our massive amount of relationships developed over the years, we have every program imaginable to offer our clients, with the very best interest rates in the market.
