As of 2026, 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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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