USDA and FHA Pro and Con in Stony-Brook, Suffolk County, NY
For 2025, the USDA loan limit in Stony-Brook, located in Suffolk, NY, is $657,900. The FHA cap for a single-family home in this region is $822,375.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, assessing the income, credit, reserves, and documents needed for qualification. This advanced mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program for your financial needs in .
2025 Loan Limits and Down Payment Requirements in Stony-Brook, 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 Stony-Brook, NY
The aim at Lendersa® is to swiftly provide you with the best USDA or FHA loans efficiently and without hassle. Select one of three avenues that link you to matching lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is specifically available for rural neighborhoods. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans do not require any down payment at all.
Step 1: Prequalify
Getting prequalified lets you know how much you can borrow, and lets sellers know you can back up your offer.
Step 2: Shop
Current Wells Fargo customers have exclusive access to a one-stop real estate shopping
tool.1 Start your home search now.
Step 3: Apply
Once you've found a home, it's time to submit a mortgage applicati
CommerceWest Bank is determined to redefine banking for small and mid-sized businesses throughout Southern California & the surrounding areas. Within an intelligently organized framework, we will provide flexibility, creating a complete, safe, and sound banking experience for each client, servicing owners and catering to their specific business.
Sunwest Bank, founded in 1969, is a privately held commercial bank with over $1.9 Billion in assets and headquartered in Irvine, CA, with operations in California, Arizona, Idaho, and Utah. We are an entrepreneurial business bank with a long tradition of providing excellent service to entrepreneurs,
California First National Bank ("CalFirst") is committed to providing solutions to meet a wide range of personal and commercial banking needs. Nationwide, our customers enjoy the convenience of one-stop banking anytime, anywhere. We provide 24/7 account management, and accept deposits via the Internet and mail.
Our company was founded on a simple principle – to deliver a great RATE – and provide an exceptional customer experience. With over 30 years of lending experience, we understand the loan process can be long and complex. That’s why we’ve made it our mission to make it as no-nonsense and hassle-free as possible.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Mynd Property Management serves the small residential real estate sector with a combination of on-the-ground experts and innovative technology. Headquartered in Oakland, California, Mynd boosts efficiencies for property owners and improves the rental living experience for residents.
At Rapid Capital Funding PC., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
"Shore Capital Corporation is more than a Real Estate and Mortgage Brokerage. We focus on solving problems for human beings and furthering client health.
We offer a variety of mortgage products throughout California, as well as partaking in loan business with multiple lenders in California, Colorado and Florida."
