USDA and FHA Pro and Con in Southold, Suffolk County, NY
For 2025, the USDA loan limit in Southold, located in Suffolk county, NY, stands at $776,600. In contrast, the FHA cap for a single-family home is $1,089,300.
Make use of the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates. This tool helps you identify the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, facilitating your decision on the best program for your financial needs in .
Loan Limits and Down Payments for 2025 in Southold, Suffolk, NY
Loan Type
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 Southold, NY
The aim of Lendersa® is to promptly secure the best possible USDA or FHA loan for you, seamlessly and with ease. Initiate with any of the three pathways to find matching lenders and explore USDA loan schemes.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is government-backed through the Department of Agriculture, available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans are attainable with no down payment.
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