USDA VS FHA in South-Hempstead, Nassau County, NY

In 2026, within South-Hempstead in Nassau county, NY, the USDA loan limit is set at $0, whereas the FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare the leading rates between USDA and FHA for today, determining income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA side by side, assisting you in selecting the best-suited program for your financial needs in .

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2026 Loan Limits and Downpayment Requirements in South-Hempstead, Nassau, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Options for USDA and FHA Loans in South-Hempstead, NY

Lendersa® aims to efficiently connect you with the best USDA or FHA loan without the hassle. Begin with one of three approaches that link you with lenders and USDA loan programs to suit your needs.

Lendersa USDA loan requests and match results

Understanding the USDA Loan in NY

The USDA home loan, guaranteed by the government through the Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage. It's meant for rural areas exclusively. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage doesn't mandate any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Town & Country Federal Credit Union Maine
  • 557 Main Street, South Portland, ME, 04106
  • At Town & Country Federal Credit Union, we pride ourselves on our superior products and outstanding member service. We consider our members to be our number one priority.

    If you have a suggestion, question or complaint, we hope you'll share it with us. Simply fill out the form below, and one of our associates will get back with you shortly

  • Residential Mortgage Services, Inc.
  • 24 Christopher Toppi Drive, South Portland, ME, 04106
  • Residential Mortgage Services inc. offers borrowers a full spectrum of integrated loan processing, underwriting and direct lending services – all under one roof. The result? Fast processing of residential mortgage applications, and a better overall experience for you! We offer conventional purchase and refinance home loans

  • Acadia Lending Group
  • 10 Donald B Dean Dr, Suite, Suite 2, South Portland, ME, 04106
  • Acadia Lending Group is the largest mortgage broker in the State of Maine offering industry leading technology, a variety of lending options, low-rate mortgages, and unparalleled customer service. We've become the mortgage experts the resident of Maine depend on for all their purchase and refinance needs.

  • HOME BASE MORTGAGE GROUP
  • 780 Broadway, Unit C, South Portland, ME, 04106
  • Founded in 2017, Home Base Mortgage Group has quickly grown into one of the top mortgage companies in the state. When Home Base Mortgage Group first started out, their passion for helping people drove them to open their own Mortgage Company to provide the best possible knowledge, experience and customer service to each borrower.

  • Genesee Co-op Federal Credit Union
  • 395 Gregory Street, Rochester, NY, 14620
  • Genesee Co-op Federal Credit Union provides a broad range of affordable, quality services to increase the financial skills and wealth of our member-owners. We are responsive to the needs of our community. We are committed to social inclusiveness. We are dedicated to responsible community development and education.

  • Rochester & Monroe County Employees Federal Credit Union
  • 460 N Goodman Street, Rochester, NY, 14609
  • Get the most out of your membership with Rochester & Monroe County Federal Credit Union. With a full range of financial products and services, our goal is to help make banking easy for our members so they can meet their goals. Members are eligible for a range of services to make banking, investing, and lending easier than ever.

  • Virginia Partners Bank
  • 410 William Street, Fredericksburg, VA, 22401
  • Virginia Partners Bank® and Maryland Partners Bank® because we believe that our residents and businesses deserve a local bank. We enjoy living here and getting to know our neighbors, the people we do business with. We’re active in the community, love its history, and offer support by donating our time, talents, and resources.

  • Security Trust Mortgage LLC
  • 1407 Hearthstone Drive, Fredericksburg, VA, 22401
  • At Security Trust Mortgage 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 & your family from the many mortgage options

  • NEW DOMINION FINANCIAL
  • 2093 Jefferson Davis Hwy, Fredericksburg, VA, 22401
  • NEW DOMINION FINANCIAL, our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first.Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you & your company from the many loan options that are available today.

  • Mansfield Mortgage Professionals
  • 57 River Rd, Suite 1009, Essex Junction, VT, 05452
  • Mansfield Mortgage is your local Vermont mortgage company. Helping Vermonters find the right home loan since 2006. Trying to find the right home loan can be difficult – finding the right mortgage company to help you get your loan can be even harder. With literally thousands of lenders to choose from borrowers can easily become overwhelmed.

  • Haus Capital Corporation
  • 383 Park Ave, Suite A, Rochester, NY, 14607
  • At HAUS Capital, we understand that everyone’s situation is unique. Our flexible and innovative mortgage products allow us to tailor a mortgage solution customized for you and your family.Sam DiPiano, President and CEO of HAUS Capital Corporation has been in the Mortgage industry since the early 2000s.