USDA and FHA Pro and Con in Yaphank, Suffolk County, NY
In 2025, the USDA loan limit in Yaphank, within Suffolk county of NY, stands at $776,600, while the FHA loan cap for a single-family house is $1,089,300.
Leverage the Lendersa® USDA loan calculator to compare the top USDA and FHA rates of today, determining the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding your decision-making for the best program in that suits your financial needs.
2025 Loan Limits and Downpayment Requirements in Yaphank, 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 Alternatives in Yaphank, NY
Lendersa® aims to swiftly connect you with the optimal USDA or FHA loan, ensuring a process free from hassle. Choose one of the three available pathways to connect with lenders and the USDA loan programs tailored for you.
The USDA home loan, endorsed by the Department of Agriculture, is commonly known as the USDA rural development loan or USDA mortgage. This loan is accessible strictly in rural regions. Unlike FHA loans that demand a minimum down payment of 3.5%, USDA mortgage loans require no down payment at all, making them truly accessible.
Chesapeake Bank’s roots stretch deep into the sandy soil of Virginia’s Northern Neck and reach back to the dawn of the twentieth century. Originally charted as Lancaster National Bank on April 13, 1900, we’ve been focused on our community from the very beginning. The Bank’s first clients were watermen, farmers and small business owners.
We are committed to lifelong financial relationships with our members and our communities, built on respect, integrity and trust. Gardiner Federal Credit Union is a not-for-profit financial cooperative established in 1953, we join in a time-honored tradition of providing financial services to our membership.
First National Bank is a genuine Maine community bank deeply committed to serving individuals, families, and businesses throughout our region. We're proud of our unique culture of respect, intended to make all our customers feel valued.
Operating in seventeen branch offices from Wiscasset to Calais we go all out to find ways to meet your needs
8721 Plantation Lane, Suite 201, Manassas, VA, 20110
Harry H. Horning Financial Services was founded with the goal of guiding our clients in every aspect of their financial lives in order to help them achieve financial confidence and independence. We are dedicated to you, our client. We work one on one with you to analyse your financial situation, determine a best course of action.
Dominion First Mortgage was founded in 1995 in Manassas Va. Our incredible staff has closed over 1 Billion dollars in loans mostly in the Northern Virginia counties of Fairfax, Prince William, Loudoun and Arlington. Because of our local knowledge we make the loan process much simpler for our borrowers.
Pittsford Federal Credit Union has now served members for 48 years, providing financial information resources, competitive products, and outstanding service. The Credit Union continues to grow and is currently among the largest five credit unions in the Greater Rochester area. In December, we reached $380 Million in assets.
180 Office Park Way, Suite 2000, Pittsford, NY, 14534
We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
