USDA Loan Vs. FHA loan for Shelter-Island, NY [ best of 2023]

In 2025, USDA loan limit in Shelter-Island, county of Suffolk, NY is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Shelter-Island, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(570) 286-5739 233 miles Lender's profile and map Reviews Central Keystone FCU 1000 Market Street, Sunbury, PA, 17801 Central Keystone Federal Credit Union has been open since 1954. The credit union has assets totaling $53.45 Million and provides banking services to more than 3, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
(207) 353-4144 234 miles Lender's profile and map Reviews Lisbon Community Federal Credit Union 325 Lisbon Street, Lisbon, ME, 04250 The LISBON COMMUNITY FEDERAL CREDIT UNION is a not for profit, full service financial institution owned by and operated for our Members. The LCFCU was founded in 1959 to serve those who reside or work in the Lisbon, Lisbon Falls and Durham areas. Since that time, this federally chartered, federally insured Credit Union has grown steadily.
(800) 370-3196 234 miles Lender's profile and map Reviews Passumpsic Savings Bank 497 Railroad Street, Saint Johnsbury, VT, 05819 Passumpsic Bank is a community bank, 11 branches strong, proudly serving the Northeast Kingdom, Central Vermont and New Hampshire's North Country. Passumpsic Bank is a one of the few remaining mutually owned banks. We are committed to reinvesting profits in the communities we serve, because our first priority has always been—and always will be—you.
(802) 748-2288 234 miles Lender's profile and map Reviews Northern Lights Credit Union 1004 Memorial Drive, Saint Johnsbury, VT, 05819 Northern Lights Credit Union is more than just a bank. As a full-service financial institution, NLCU offers all the consumer financial products you'd expect from a larger financial institution. Our priority is to provide low-fee or no-fee services with higher yields on savings and lower rates on loans.
(410) 676-5700 234 miles Lender's profile and map Reviews Freedom Federal Credit Union 2019 Emmorton Road, Bel Air, MD, 21015 Freedom Federal Credit Union is a federally-insured, community-chartered credit union serving members who live, work, worship, volunteer, or go to school in Harford County, Maryland, and their families, as well as businesses operating in the county. Freedom’s mission is to be a trusted partner by creating a culture of people helping people.
(570) 742-8541 235 miles Lender's profile and map Reviews Milton Savings Bank 80 Broadway, Milton, PA, 17847 Milton Savings Bank provides high-quality products and services and is pleased to be the premier community bank in the communities we serve. We are proud to have the financial strength and commitment to meet the needs of our community as we have done in the past and will continue to do today and tomorrow.
(570) 742-3903 235 miles Lender's profile and map Reviews Pinpoint Federal Credit Union 37 Ferry Ln, Milton, PA, 17847 Pinpoint Federal Credit Union is a member-owned financial cooperative founded in Milton, PA. The Credit Union, originally named Northumberland County Schools Federal Credit Union was chartered in 1956 by a small group of teachers who wanted to offer low-cost financial services to other teachers and make a positive difference.
(207) 783-0351 235 miles Lender's profile and map Reviews Dirigo Federal Credit Union 20 Washington Street, Auburn, ME, 04210 Dirigo Federal Credit Union services members in the greater Lewiston/Auburn area including Mechanic Falls & South Paris and has for over 60 years! Dirigo FCU proudly serves the counties of Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, and York.
(207) 376-3007 235 miles Lender's profile and map Reviews East Coast Mortgage Group 316 Center Street, Auburn, ME, 04210 East Coast Mortgage Group is a mortgage broker that is located in Auburn, Maine that offers the best rates, terms and fast closings throughout the State of Maine. Since 2007, East Coast Mortgage Group has been a mortgage company that has excelled to meet the needs of Maine communities within Lewiston, ME, Auburn, ME and Portland
207 512 6364 235 miles Lender's profile and map Reviews T&M Commercial Funding 259 Minot Ave, Auburn, ME, 04210 T&M Commercial Funding provides equity based lending on all property types. We cater to Investors, brokers, Corporations and sub-prime money borrowers who do not meet the stringent requirements set forth by conventional lenders and banks. Our excellent reputation as a Direct Hard Money Lender has been built on our ability to provide fast financing
(607) 898-5871 235 miles Lender's profile and map Reviews The First National Bank of Groton 161 Main Street, Groton, NY, 13073 The First National Bank of Groton has been proudly serving the area communities for over 150 years. The Bank is customer driven. Its very existence is based on customers finding value in the products and services being offered. The Bank prides itself on offering a superior level of personalized customer service.