In 2026, the USDA loan limit for Wading-River, situated in Suffolk, NY, is $657,900. Meanwhile, the FHA limit for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to evaluate today’s best USDA versus FHA rates, and ascertain the required income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side-by-side, aiding in determining which program in Alabama is best suited for your financial needs.
2026 Loan Limits and Down Payment Requirements in Wading-River, Suffolk County, NY
Loan Type
Loan Limit
Down payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Explore USDA and FHA Loan Options in Wading-River, NY
Lendersa® aims to secure the best possible USDA or FHA loan for you swiftly and hassle-free. Choose one out of three approaches to connect with lenders and explore USDA loan programs that match your needs.
A USDA home loan, backed by the government's Department of Agriculture, is known as the USDA rural development loan or mortgage, and is exclusively available in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA mortgages do not require any down payment.
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133 County Road 17, Suite E1-A, Elizabeth, CO, 80107
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