In 2026, the USDA loan limit in Smithtown, located in Suffolk of NY, is $776,600, while the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates today, and determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, helping you choose the best fit for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Smithtown, 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 Options in Smithtown, NY
Lendersa® aims to help you quickly and simply get the best USDA or FHA loan. Choose one of three starting points to connect with lenders and find the right USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA Rural Development Loan or USDA mortgage, is available solely in rural areas. Unlike FHA loans, which require a 3.5% down payment, USDA loans do not require any down payment.
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