Explore the differences! FHA VS Conventional loan programs in Bay-Shore, Suffolk County, New York
In 2025, the conventional loan limit for Bay-Shore, within the county of Suffolk, NY, is set at $970,800. Meanwhile, the FHA limit for a single-family home is $970,800.
Use the Lendersa® Conventional loan calculator to assess and compare today's best rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documentation required to qualify. Our advanced mortgage tool enables you to view Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best program in NY for your financial situation.
Loan Limits and Down Payment Requirements for 2025 in Bay-Shore, Suffolk, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$970,800
3%
USDA
$657,900
0%
FHA
$970,800
3.5%
This table applies to the following zip codes: 11706
Conventional and FHA Loan Options in Bay-Shore, NY
The purpose of Lendersa® is to help you swiftly secure the best possible Conventional, USDA, or FHA loan without hassle. Choose one of three starting points that will connect you with matching lenders and appropriate loan programs.
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