In 2026, the USDA loan maximum in West-Babylon, within the county of Suffolk, NY, is $657,900, whereas for a single-family home, the FHA limit is $822,375.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, determining the income, credit, reserves, and documents necessary for qualification. Our sophisticated mortgage calculator compares USDA, FHA, Conforming, and VA options side by side, helping you decide which program in suits your financial needs best.
2026 Loan Limits and Down Payment Requirements in West-Babylon, Suffolk County, 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 West-Babylon, NY
Lendersa® aims to help you secure the best available USDA or FHA loan efficiently and without trouble. Begin with one of three starting points to align with appropriate lenders offering USDA loan programs.
A USDA home loan, backed by the government via the Department of Agriculture, is known as a USDA rural development loan or USDA mortgage, and it is only available in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage requires no down payment, benefiting eligible borrowers in rural areas.
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2137 Deer Park Avenue, Suite B, Deer Park, NY, 11729
Lends in New York
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