USDA Vs. FHA your options comparison in Stony-Brook-University, Suffolk County, NY
In 2026, the USDA loan limit in Stony-Brook-University, within the county of Suffolk, NY, is
$657,900. For a single-family home, the FHA limit stands at
$822,375.
Use the Lendersa® USDA loan calculator to evaluate today's prime USDA versus FHA rates.
Discover the required income, credit, reserves, and necessary documents for qualification.
Our advanced mortgage calculator gives you a side-by-side view of USDA, FHA, Conforming, and VA loans,
assisting you in selecting the best program in for your financial situation.
2026 Loan Limits and Downpayment Requirements in Stony-Brook-University, Suffolk, NY
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Choosing USDA and FHA Loan Options in Stony-Brook-University, NY
At Lendersa®, our goal is to secure the best USDA or FHA loan quickly and without hassle.
Choose one of three starting approaches to connect with matching lenders and USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan
or USDA mortgage, is specifically available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment,
USDA loans require no down payment, providing a distinct advantage.
Shea & Sanders Real Estate is a full-service, locally-owned & independently operated, hometown realtor providing the Three Villages and surrounding areas extensive, state-of-the-art real estate marketing services. Shea & Sanders Real Estate guarantees the most competitively priced commission structures and our clients'/customers' satisfaction.
640 Belle Terre Road. Building D, Port Jefferson, NY, 11777
Lends in New York
Our team members are experienced commercial real estate professionals from the investor and banking community. For more information about us call 631-828-4404.
We work hard to exceed expectations in order to satisfy our borrowers’ needs
We have no upfront fees to our borrowers, investors or affiliates. We are success fee driven. No success. N
EC Lending revolutionizes the lending landscape with innovative solutions, providing resources that overcome even the most complex financial challenges. Boasting unmatched expertise, EC Lending empowers clients to secure the best terms through personalized service and cutting-edge technology. Choose EC Lending for bespoke financing, where every dre
Teachers Federal Credit Union is one of the country’s largest credit unions with $8.7 billion in assets and more than 365, 000 members across all 50 states. Founded on Long Island in 1952, Teachers is a full-service, not-for-profit financial institution that provides members with 32 full-service branches throughout Long Island, Queens and Manhattan
155 East Main Street, Suite 240, Smithtown, NY, 11787
Lends in New York
WE started DMN Mortgage Corp. in 2006. This is a family run company that prides ourselves on helping making the mortgage process EASY! We are with you every step of the way. We work hand in hand with the best Lenders, attorneys and title companies in the business! Brett Brucaleri owner/broker at DMN Mortgage Corp.
738 Smithtown By Pass, Suite 101, Smithtown, NY, 11787
Lends in New York
Since 1994, we have provided home mortgages for Long Island and the entire State of New York. Our corporate office is located in Smithtown, NY where we have been serving Suffolk, Nassau, Queens and Kings County communities for over 20 years. We offer a variety of mortgages to meet your home financing needs.
496 Smithtown By-Pass, Suite 308, Smithtown, NY, 11787
Lends in New York
All Island Mortgage & Funding Corporation. A family owned and operated mortgage business. FHA approved. Established in 1989, serving all of New York, Florida, Connecticut, New Jersey, Pennsylvania, Montana, Washington State, Alaska, California, Texas. A leader in Reverse mortgage financing.
180 East Main Street, Suite 206, Smithtown, NY, 11787
Lends in New York
Ownit's mission is to serve the needs of borrowers throughout New York State by providing great rates and excellent service. As a full service brokerage offering expertise in every area of mortgage lending from purchase to refinance to commercial lending. We have access to a full range of mortgage sources and are dedicated to finding the right loan
975 W. Jericho Turnpike, Suite 3, Smithtown, NY, 11787
Lends in New York
BRC is a family owned Long Island based mortgage company operated by Nathan Baram. With experience of over 18 years in the mortgage and real estate industry, you can be assured that you are in good hands. Competitive Mortgage products combined with a smooth and efficient process is what puts BRC above the rest. Established in 2006.
