As of 2026, the ceiling for conventional loans in Blue-Point, situated in Suffolk county, NY, is set at $970,800. For a single-family house, the FHA cap is $970,800, offering a range of options for homebuyers.
Leverage the Lendersa® Conventional loan calculator to review and compare top-rated options among Conventional, FHA, and USDA loans. Determine the required income, credit status, reserves, and documentation for qualification. With our state-of-the-art mortgage calculator, you can analyze and compare Conforming Conventional loans alongside USDA, FHA, and VA loans. This assists you in selecting the most appropriate program in NY based on your specific financial circumstances, ensuring that you make the best decision for your needs.
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| Loan Type | Loan Limit | Minimum Down Payment | |
| Conventional Conforming | $970,800 | 3% | |
| USDA | $657,900 | 0% | |
| FHA | $970,800 | 3.5% |
This table applies to these zip codes: 11715
The primary aim of Lendersa® is to quickly connect you with the optimal Conventional, USDA, or FHA loan options available, streamlining the process to minimize hassle. Start with any of the three paths to find matching lenders and the most suitable loan programs.
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