USDA Vs. FHA your options comparison in Terryville, Suffolk County, NY

In 2026, the USDA loan limit for Terryville, county of Suffolk, NY, is $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.

Explore the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, assessing the income, credit, reserves, and paperwork needed to qualify. This advanced mortgage calculator offers side-by-side views of USDA, FHA, Conforming, and VA loans to help determine which program is best for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Terryville, Suffolk, NY

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Options in Terryville, NY

Lendersa® strives to connect you with the best USDA or FHA loans quickly and easily. You can select from three starting options that lead to matching lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, backed by the government through the Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage, offered exclusively in rural areas. Unlike FHA loans that require 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?



  • Wheat State Credit Union
  • 1400 S Oliver Street, Wichita, KS, 67218
  • A St. Joseph Hospital employee, microbiologist Dennis Carr, first introduced the credit union idea, and St. Joseph Hospital Employees’ Credit Union was chartered in 1963. The name was changed to Medical Community Credit Union in 1998 and to Wheat State Credit Union in 2015 to better reflect the expanded field of membership we now serve.

  • Central Nebraska FCU
  • 609 South Locust, Grand Island, NE, 68801
  • Central Nebraska Federal Credit Union has been open since 1985. The credit union has assets totaling $12.21 Million and provides banking services to more than 1, 000 members.

    The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member

  • Home Federal Bank
  • 221 S Locust St, Grand Island, NE, 68801
  • Home Federal Bank To provide solutions to our customers that enhance their financial security in the most convenient and efficient way possible while striving to provide the most value and return to our stakeholders. Home Federal Bank was founded by Buck Beltzer in May of 1935. Home Federal Bank's first office was located in the Grand Island.

  • Carson Bank
  • 122 West Main Street, Mulvane, KS, 67110
  • Our purpose at Carson Bank is to strengthen our home communities by providing knowledgeable and trustworthy financial solutions to fulfill individual, commercial, and public financial needs. The As your trusted advisor and friend, We are attentive, caring, and accommodating to every customer who visits our bank.

  • North East Texas Credit Union
  • 1115 Lone Star Boulevard, Lone Star, TX, 75668
  • North East Texas Credit Union has been open since 1948. The credit union has assets totaling $201 Million and provides banking services to more than 14, 000 members as of March 2022.

    The credit union is a member-owned financial cooperative providing banking services including savings, loans.

  • Mid-Kansas Credit Union
  • 104 South Avenue B, Moundridge, KS, 67107
  • Mid-Kansas Credit Union began in 1947 as Moundridge Coop Federal Credit Union. We started with 10 members, and membership dues were only 25¢. We are a full-service credit union, with our main office in Moundridge, and a branch office in Buhler. Mid-Kansas Credit Union expanded it's operation, with the opening of our Buhler branch in 1990.

  • The Citizens State Bank
  • 201 S Christian, Moundridge, KS, 67107
  • The Citizens State Bank has maintained family ownership since its beginning. Organized in Moundridge and chartered by the state of Kansas on August 1, 1904, the bank now includes locations in McPherson, Harvey and Marion counties. The Citizens State Bank has acquired several institutions over the years, including Wheatland Bank of Goessel.

  • Meritrust Credit Union
  • 151 N Main Street, Wichita, KS, 67202
  • It's not just a job. It's a family work environment putting you first. Team Meritrust is making our world a better place for our members and communities, one exceptional service experience at a time.

    With a mission of improving the lives of members and the communities we serve.

  • Southwest National Bank
  • 400 E Douglas Ave, Wichita, KS, 67202
  • Southwest National Bank’s original bank charter was granted to L. S. Naftzger on March 15, 1915 to do business as Southwest State Bank. After eight years of operation, Southwest State Bank received authority to expand its operation as a national bank and remains today as one of only three banks in Wichita to survive the Great Depression of 1929.

  • Aberdeen Federal Credit Union
  • 2324 8th Ave NE, Aberdeen, SD, 57402
  • Aberdeen Federal Credit Union was chartered on April 11, 1935 to promote thrift among the members and enable them to obtain loans for productive and provident purposes at reasonable rates of interest.

    Aberdeen Federal Credit Union is a member-owned not-for-profit financial cooperative.

  • The American National Bank of Mount Pleasant
  • 301 S Madison Ave Mount, Mount Pleasant, TX, 75455
  • Since 1979, American National Bank has been serving the Northeast Texas area with the best customer service and financial services available. American National is locally owned and operated, and we strive to provide our customers with the best banking experience possible.

    We invite you to visit us