USDA VS FHA in Springs, Suffolk County, NY

In 2026, the USDA loan limit in Springs within Suffolk, NY, is $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.

Use the Lendersa® USDA loan calculator to compare today's top USDA vs FHA rates, determining income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side to help you select the best program for your financial needs in Alabama.

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2026 Loan Limits and Down Payment Requirements in Springs, Suffolk County, NY

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Discover USDA and FHA Loan Options in Springs, NY

Lendersa® is dedicated to promptly securing for you the best possible USDA or FHA loan, without hassle. Choose one of three starting paths to match with lenders and explore USDA loan programs.

  1. Submit a detailed USDA/FHA loan request
  2. Review USDA and FHA rates and terms first
  3. Access the largest database of USDA loan lenders
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What is the USDA Loan in NY?

A USDA home loan, supported by the government Department of Agriculture, also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans needing a minimum of 3.5% down payment, USDA loans require no down payment.

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  • Division Mortgage Group
  • 1320 Division St, Billings, MT, 59101

  • Division Mortgage Group specializes in every type of purchase and refinance mortgage including: FHA, VA, Conventional, Rural Housing, etc. Whether purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced mortgage professionals are committed to providing our customers

  • Del Norte Bank
  • 705 Grand Ave, Del Norte, CO, 81132

  • Del Norte Bank was chartered as Del Norte Building and Loan Association on May 9th, 1921 by Charles W. Donnen, William Johnson, Louie Eickenrodt, J.H. Weiss, and J.P. Russell. The purpose of the building and loan was to provide a safe place to save money and to offer financing for families to build homes.

  • Aspen Financial
  • 520 Wicks Lane, Suite 10, Billings, MT, 59105

  • Aspen Financial, Inc in Billings, MT opened for business in 2007 and is a locally owned and operated business with a combined 20 years of experience. Our mission is to provide hassle-free emergency lending, debt consolidation, personal loans and auto loans.and also We’ve seen people struggle with expenses resulting from unfortunate emergencies and


  • Rocky Mountain Bank (Montana)
  • 2615 King Avenue West, Billings, MT, 59108

  • We offer our employees unlimited opportunities for career development, growth and the ability to contribute to the vitality of your community. Our clients choose to bank with us because of our robust product offerings, high-touch service, and commitment and impact in our communities.

  • Bank of the Southwest
  • 226 North Main Street, Roswell, NM, 88201

  • Bank of the Southwest evolved from the idea that community banks continue to thrive as a vital link in the economic well-being and prosperity of thousands of small and medium-sized towns, rural areas, and urban neighborhoods throughout America. Bank of the Southwest's goal is to secure a niche in the financial services market.

  • The Florist Federal Credit Union
  • 313 W Country Club Road, Suite 11, Roswell, NM, 88201

  • The WTNM Federal Credit Union received a federal charter in 1969, after members of the WesTexas New Mexico Florist Association looked for ideas to benefit the members of the Association. The original office was in Midland, Texas, and in 1973 it was moved to Roswell, New Mexico where the volunteer manager lived and owned a flower shop.

  • Roswell Community Federal Credit Union
  • 2514 N Main Street, Roswell, NM, 88201

  • Roswell Community Federal Credit Union Our Credit Union was originally known as the Hobbs Gulf Federal Credit Union and was organized in 1954. In October 1995; the Credit Union amended its charter to include anyone who lives or works in Roswell and changed the name to Roswell Community Federal Credit Union.

  • Chaves County School Employees Credit Union
  • 1401 North Lea Avenue, Roswell, NM, 88201

  • On 1952 a small nucleus of people who were affiliated with the schools of Chaves County joined together in an effort to build upon a dream. This dream was initially a concept whereby the establishment of a credit union would afford the members an opportunity to accumulate their savings and to create for them, a source of credit for provident.

  • First Security Bank of Roundup
  • 401 Main Street, Roundup, MT, 59072

  • First Security Bank of Roundup opened for business on September 7, 1971. We have been privileged to serve more and more people over the years and have enjoyed consistent growth. We utilize the latest innovations in banking technology without sacrificing our mission of superior personalized service.

  • Altana Federal Credit Union
  • 3212 Central Avenue, Billings, MT, 59102

  • Altana Federal Credit Union has been 70 years since 9 Montana refinery workers pooled their money in a cash box located in an empty boxcar. It’s hard to imagine that they could have envisioned the impact they would have on the lives of so many people. The first loan given was used to purchase a sewing machine. The rest, as they say, is history.

  • Universal Lending Home Loans
  • 2646 Grand Ave, Suite 2, Billings, MT, 59102

  • Universal Lending Corporation was founded nearly 40 years ago on the principle that our customers deserve individual and specialized attention throughout the mortgage process. This is why we have one of the highest rates of repeat borrowers in the business. Our mortgage professionals embrace our passion for customer care

  • Alpine Bank and Trust Co
  • 2200 Grand Avenue, Glenwood Springs, CO, 81601

  • Alpine Bank is an independent, employee-owned bank which has been helping build Colorado communities for over 45 years. In a time of impersonal banking giants, Alpine Bank stands out as a full-service community bank with the personal touch--delivering the full range of personal, business, wealth management*, mortgage and electronic banking services
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