In 2026, the USDA loan limit in Sound-Beach, in Suffolk county, NY, is $657,900, while the FHA limit is $822,375 for a single-family home.
Use the Lendersa® USDA loan calculator to evaluate current USDA vs FHA rates, and identify the income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator facilitates side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding your choice of the optimal program in Alabama for your financial situation.
2026 Loan Limits and Down Payment Requirements in Sound-Beach, Suffolk County, NY
Loan Type
Loan Limit
Down payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Explore USDA and FHA Loans in Sound-Beach, NY
Lendersa® seeks to swiftly secure you the best possible USDA or FHA loan, hassle-free. Choose one of three methods to connect with lenders and discover USDA loan programs.
USDA home loans are backed by the government, specifically the Department of Agriculture, also known as USDA rural development loans or mortgages, available only in rural areas. FHA loans require a minimum 3.5% down payment, while USDA mortgages need no down payment.
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