In 2026, the USDA loan limit for a single-family home in Southampton, situated in Suffolk, NY, stands at $776,600, while the FHA limit is $1,089,300.
Utilize the Lendersa® USDA loan calculator to assess today's optimal USDA versus FHA rates, exploring the income, credit, reserves, and necessary documents for eligibility. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, facilitating a more informed choice about which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The objective of Lendersa® is to swiftly connect you with the best USDA or FHA loan, ensuring no unnecessary hassle. Start with one of three methods to align with lenders and explore USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans need no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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