USDA and FHA Pro and Con in West-Hills, Suffolk County, NY

For 2025, the USDA loan limit in West-Hills within Suffolk county, NY, is $657,900, whereas the FHA limit for a single-family home is $822,375.

Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, guiding you to select the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in West-Hills, Suffolk County, NY

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Exploring USDA and FHA Loan Options in West-Hills, NY

Lendersa® strives to connect you with the best USDA or FHA loans promptly. Start with one of three options to access matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, backed by the Department of Agriculture, known also as the USDA rural development loan or mortgage, is accessible only in rural neighborhoods. Unlike FHA loans that need a minimum of 3.5% down payment, the USDA mortgage requires none.

Enter your location to find out if it qualifies for USDA rural housing loan?



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