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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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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