FHA VS Conventional loan in Central-Islip, Suffolk County, New York

In 2025, the conventional loan limit in Central-Islip, county of Suffolk, NY, is $970,800, while the FHA limit for a single-family home is $970,800.

Use the Lendersa® Conventional loan calculator to compare the best available rates today for Conventional, FHA, and USDA loans. Examine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage tool lets you view Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best program in NY for your personal financial situation.

Explore loan offers from 100 top lenders

2025 Loan Limits and Down Payment Requirements in Central-Islip, 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 zip codes: 11722

Examining Conventional and FHA Loan Options in Central-Islip, NY

The objective of Lendersa® is to connect you with the best possible Conventional, USDA, or FHA loan quickly and with ease. Choose from one of three starting paths that will lead you to matching lenders and suitable loan programs.

Review of Lendersa's USDA loan request matching results


  • Integrity Mortgage Funding LLC
  • 4405 Mall Blvd, Union City, GA, 30291
  • At Integrity Mortgage Funding, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • PrimePoint Mortgage LLC
  • 30 East Johnston Street, Suite B, Forsyth, GA, 31029
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Guaranty Home Mortgage Corporation
  • 10 Lea Avenue, Suite 800, Nashville, TN, 37210
  • Since 1985, Guaranty Home Mortgage Corporation, (GHMC) has been a market leader in mortgage lending. In 2019 GHMC transformed from a Federally Registered entity to an Independent Mortgage Banker and is currently licensed in 48 states. GHMC originates and purchases loans nationally through multiple channels.
  • Southern Crescent Mortgage and Investment Crop
  • 101 Devant Street, Suite 704, Fayetteville, GA, 30214
  • Southern Crescent Mortgage 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.
  • Georgia Mortgage Services Inc
  • 500 W Lanier Ave, Suite 503, Fayetteville, GA, 30214
  • Georgia Mortgage Services, Inc has been putting the borrower first with low rates and superior service since 1988. We are structured as both a mortgage broker and a mortgage lender in order to offer as many available products at the best deals possible. Our strength is education as we believe that the more you understand the mortgage process
  • Pinnacle Financial Partners
  • 150 Third Avenue South, Suite 900, Nashville, TN, 37201
  • Pinnacle Financial Partners provides a full range of Banking, investment, trust, mortgage and insurance products and services designed for businesses and their owners and individuals interested in a comprehensive relationship with their financial institution. Pinnacle's focus begins in recruiting top financial professionals.
  • Arcola First Bank
  • 127 South Oak Street, Arcola, IL, 61910
  • Arcola First Bank is a branch office of Arcola First Bank. They provide the following services: Full Service Office Location & are located at 127 South Oak Street in Arcola Illinois. Mobile & traditional directions to this location can be found below along with ratings, their phone number, online banking website and additional banking information
  • Citizens Tri-County Bank
  • 201 N Jackson Street, Tullahoma, TN, 37388
  • Citizens Tri-County Bank was organized in 1972 as Citizens Bank, and received its bank charter in June of that same year. The new bank opened for business in October, 1972, with $500, 000 in capital, initially operating in a trailer at the bank’s current Main Office location in downtown Dunlap, Tennessee.
  • Ascend Federal Credit Union
  • 520 Airpark Drive, Tullahoma, TN, 37388
  • At Ascend, our mission is to "Raise Possibilities"​ for our members. This means opening new doors for financial freedom, guiding people through money matters using sound experience and knowledge, and providing an environment where you can feel comfortable knowing we have only your best interests in mind.