USDA and FHA Pro and Con in St.-James, Suffolk County, NY
For 2026, the USDA loan limit in St.-James, within Suffolk county of NY, is $657,900. Concurrently, the FHA limit for a single-family home in this area is $822,375.
Utilize the Lendersa® USDA loan calculator to find and contrast the latest USDA and FHA optimal rates. This tool helps assess the income, credit, reserves, and documents needed for qualification. You can view USDA, FHA, Conforming, and VA mortgages side-by-side to decide which program is ideal for your financial situation in .
2026 Loan Limits and Down Payment Requirements in St.-James, 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® endeavors to secure you the best USDA or FHA loans swiftly and smoothly. Choose one of three starting strategies to match with lenders offering USDA programs.
A USDA home loan is a government-backed loan given by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. These loans are only available in rural neighborhoods. While FHA loans necessitate a minimum down payment of 3.5%, USDA loans eliminate the requirement for any down payment.
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207 Shelton Beach Rd, Suite F, Saraland, AL, 36571
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