USDA Vs. FHA Pro and Con comparison in Southampton, Suffolk County, NY
In 2025, 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 suits your financial circumstances best.
2025 Loan Limits and Down Payment Requirements in Southampton, Suffolk, NY
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Alternatives in Southampton, NY
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.
Seabright Mortgage has provided outstanding mortgage loan service and advice in the greater Santa Cruz area for over twenty years. Combining past experience with acute knowledge of today’s diverse mortgage market, we are able to provide the right mortgage options for our clients while focusing on creating a positive client experience.
Sergio Angeles is the Owner/Broker at Prime Home Loans. Sergio has been in the real estate & lending business for over 17 years. Prime Home Loans is committed to listening to our customers, our employees and our business partners. Their needs and wants are always thoughtfully addressed so that solutions directly impact their desires.
Concept Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates.
Lewis Associates is a private mortgage lender licensed by the California Department of Real Estate and the National Mortgage Licensing System. Founded in 1981 by Monte R. Lewis and Michael A. Lewis. Watsonville Mortgage is a private and conventional mortgage lender, servicing the Central Coast area for over 30 years.
444 Airport Blvd, Suite 204, Watsonville, CA, 95076
iCG Mortgage Loan Originators are qualified to present you with the best products available on the market from a myriad of leading lenders and as Strategic Philanthropists we're all altruists looking to empower you and your community with financial literacy via mortgage strategies that can take you from
1205 Freedom Boulevard, Suite #2, Watsonville, CA, 95076
Sterling Pacific Financial is a leader in trust deed investing – a simple means for individuals and organizations to invest in real estate loans, earning high returns without proportionately high risk. Led by an investment team of experienced real estate and financial professionals.
Bay Cities Credit Union is located in Hayward, CA, United States and is part of the Depository Credit Intermediation Industry. Bay Cities Credit Union has 33 total employees across all of its locations and generates $2.27 million in sales (USD). There are 2 companies in the Bay Cities Credit Union corporate family.
Assurity Realty Corp (ARC) is a family owned real estate business and home to a growing staff that are committed to helping our clients with all of their real estate needs, both Commercial and Residential. Become a part of our family! Real Estate Sales & Purchases are our business.
21573 Foothill Blvd, Suite 211, Hayward, CA, 94541
Our company specializes in the full spectrum of financial services. We pride ourselves in finding solutions to help clients navigate financial issues and plan for financial goals. We work with real estate purchases, listings, and property management. We also originate mortgages and other types of real estate financing.
PPCU is a friendly, member-owned financial institution, conveniently located throughout the Bay Area. Our commitment to our member-owners is to surpass their financial expectations by offering an entire range of financial services from loans, savings and investment accounts to online banking, all at the best possible rates.
Amerimac's employees and agents take pride in providing expert knowledge & service to all of our mortgage clients.The average experience of an Amerimac loan agent is over 17 years. Experience really makes the difference in today's difficult real estate & mortgage market.Employees of Amerimac are fully licensed through the Department of Real Estate.
"Mortgage Magic is a Mortgage Brokerage located in San Jose CA.
Mortgage Magic began operation on April 1st, 1990.
Originally we were a one person operation, and on January 16th, 1991 we incorporated with a total capitalization of only $600! This year we will assist almost 700 customers satisfying their mortgage needs!"
