USDA Vs. FHA Pro and Con comparison in Smithtown, Suffolk County, NY
In 2025, 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 .
2025 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.
Your Better Loan LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
2200 East 104th Avenue, Suite 101, Thornton, CO, 80233
Above & Beyond Mortgage Loans, Inc., and our mortgage consultants all share the same common goal: to provide individuals and families with excellence in the process of a mortgage loan. Rest assured that Above & Beyond will fully educate you from start to finish on the loan process.
3879 E. 120th Avenue, Suite 110, Thornton, CO, 80233
"We offer a wide range of finance options, designed to best meet the needs of local borrowers. Whether you are purchasing a home, are considering refinancing, we can help! It doesn't matter if you are looking for cash out, or to just get a better rate and term, we can assist you and also We offer the following Refinancing Programs:
FHA | FHA Ca
Lockstep, our team of Mortgage Brokers are creative experts ready to help you navigate the mortgage process smoothly. With all the worries that come with buying or refinancing a home, we have the experience, knowledge, and flexibility to get you to the finish line without any road bumps
At BestRates Mortgage, where we specialize in residential mortgages. At BestRates Mortgage, we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
North Metro Mortgage Inc is a small mortgage broker focusing on their home town areas of Northglenn, Thornton, Westminster and Broomfield. Our experts specialize in loan programs for the North Denver Suburbs. Our team has over 50 years combined experience to guide you through the entire process.
10200 E. Girard Ave, Suite B321, Denver, CO, 80231
Journey Home Lending Our team will provide the highest level of expertise to quickly guide you through the entire process of finding the best home purchase options or refinancing options for your new mortgage. Transparency and Integrity define our work ethic, and we help guide with options so you can make informed decisions
JML Mortgage. We are a family owned company focused on offering our clients an unrivaled customer experience. We tailor each loan to meet your family's needs now and into the future. Welcome home and Borrowing money for a home (or investments) is one of the biggest financial decisions you will make in your life.
10200 East Girard Avenue, Building B, Suite 230, Denver, CO, 80231
Colorado Lending Solutions' 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.
Trust Home Loans, LLC is a Colorado mortgage lender located in the Denver Metro Area. We specialize in residential home loans including Conventional, FHA, VA and USDA. We’re always working hard to stand out from our competition. We work with wholesale banks which allows us to offer our clients the most competitive rates and loan programs
