USDA Vs. FHA Pro and Con comparison in St.-James, Suffolk County, NY
In 2025, USDA loan limit in St.-James, county of Suffolk, NY is $657,900 while FHA limit is $822,375 for a single-family home.
Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.
2025 loan limits and downpayment requirments in St.-James, county of Suffolk, NY
Loan Type
Loan Limit
Down payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA loan options in St.-James, NY
Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.
USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
We are a full service Mortgage Bank with loan products for Purchase and Refinance of Residential Real Estate. We offer in-house origination, processing, and underwriting to our clients to ensure their expectations are exceeded. Our main markets include Eastern and Central Washington as well as North Idaho down to Lewiston, ID.
650 N Estrella Pkwy, Suite A6, Goodyear, AZ, 85338
Our goal at SunWest Federal Credit Union is to grow as an organization while staying true to our founding mission. Since our doors first opened 83 years ago, we have remained committed to providing exceptional service focused on dedication, integrity, and compassion to help our members grow and thrive.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
The Elko Federal Credit Union will: be the premier provider of financial and credit services to all of the residents of Elko, Eureka and Lander Counties as authorized and chartered in 1960 and thereafter amended. This will be accomplished as the Elko Federal Credit Union achieves their strategic objectives.
First Choice Mortgage Co. is a locally owned company that is centrally located on Spokane's South Hill. We have been one of the leading independent mortgage companies in all of WA & ID for the past seventeen years. First Choice Mortgage has been known for being innovative, honest, & for delivering service above & beyond our customer's expectations.
2607 S Southeast Blvd, STE A100, Spokane, WA, 99223
Inland Capital is a leading private money lender to Pacific Northwest real estate investors. Our desire is that Inland Capital’s quick and efficient financing will support the ongoing and future success of our clients. Whether you are a tycoon of rental properties, an experienced contractor,our aim is to help you be successful.
Blossom Heights Realty has proudly served clients and customers for over 10 years. We started as a family-owned business and still run on the same standards of integrity and care for the people we serve.
Our experienced real estate agents help clients and customers who are interested in buying or selling homes in Nampa, Caldwell, Meridian, Boi
At Good Deeds Mortgage, your loan will never be just another transaction. It’s what gets you and your loved ones into the home of your dreams. But it doesn’t stop there, it also provides shelter for the homeless, feeds starving children, helps mothers in need, and much more. We would be honored to have the opportunity to help find you.
202 E. Spokane Falls Boulevard, Suite 500, Spokane, WA, 99202
RiverBank is a community business bank devoted to creating long-term client relationships by delivering high quality, digitally focused and competitively priced products & services to small businesses, professionals & private banking clients. We are located in the downtown Spokane University District & serve the greater Eastern Washington market.
Progressions Credit Union, formerly known as Spokane Postal Credit Union (SPCU), was organized in 1928. It was led by Paul Boberg, a Special Delivery Clerk at the Main Post Office in Spokane, WA. The credit union officially became state chartered on 11/27/1933 after the state had passed the state credit union law.
