FHA VS Conventional loan programs in 2025 for Lloyd-Harbor, Suffolk County, New York

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

Utilize the Lendersa® Conventional loan calculator to review and compare today's top rates among Conventional, FHA, and USDA loans. It assists in determining the necessary income, credit reserves, and documentation needed for qualification. With our advanced mortgage calculator, assess Conforming Conventional loans alongside USDA, FHA, and VA options to find which program in NY is best for your financial situation.

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Loan Limits and Down Payment Requirements for 2025 in Lloyd-Harbor, Suffolk County, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

The comparison table applies to zip codes: 11743, 11724

Explore Conventional and FHA Loan Options in Lloyd-Harbor, NY

The goal of Lendersa® is to secure the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose from three starting points that connect you with matching lenders and loan programs.

Results from Lendersa USDA loan requests and matches


  • Consumer Mortgage & Investment
  • 468 Investors Pl, Suite 102, Virginia Beach, VA, 23452
  • Consumer Mortgage & Investment Corp. We have been serving the needs of homeowners for mortgages in Virginia since 1982. Buying a home is an exciting time and, once you have found your perfect home, you'll need to look for mortgage companies. We can help you find the perfect mortgage for your new home from one of our loan programs.
  • VA Choice Home Mortgage Inc.
  • 580 Lynnhaven Parkway, Suite 103, Virginia Beach, VA, 23452
  • 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.
  • Ingrid Laine, Senior Loan Officer
  • 780 Lynnhaven Parkway, Suite 400, Virginia Beach, VA, 23452
  • At Sun West Mortgage Company, Inc. (Sun West), we dedicate ourselves to offering the best service to our customers. To accomplish this, we empower our loan officers so that they can find great rates and provide the best fitting loan options to each customer – at amazing speeds. Our focus on technology has given us an edge in the mortgage industry
  • Atlantic Mortgage and Funding, Inc.
  • 780 Lynnhaven Parkway, Suite 160, Virginia Beach, VA, 23452
  • At Atlantic Mortgage and Funding, 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.
  • Queen City Funding, Inc.
  • 1416 Sweet Home Road, Suite 9B, Great Neck, NY, 14228
  • Queen City Funding, Inc., a professional mortgage company specializing in residential mortgages. At Queen City Funding, Inc., we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled and trained loan consultants.
  • Jamestown Area Community FCU
  • 915 East Second Street, Jamestown, NY, 14701
  • To provide a wide variety of financial services at the lowest possible cost to our members and to support the community and the Credit Unions in our area with the philosophy of: ""It's my credit union; it belongs to me."" When you walk into the credit union lobby, or call a loan officer
  • 1st Advantage Federal Credit Union
  • PO Box 2116, Burlington, VA, 23609
  • 1st Advantage has long been a Virginia-based credit union focused on you, our member. As a not-for-profit financial institution, we're structured to save you more money and pay you higher dividends while providing convenient tools and personal, knowledgeable service and 1st Advantage Federal has grown from a cigar box with $500 to local community.
  • Lockport Schools Federal Credit Union
  • 360 S Transit Street, Lockport, NY, 14094
  • Lockport Schools Federal Credit Union, chartered in 1966, is a member-owned, not-for-profit organization whose objective is to meet the financial needs of our members through professional, courteous service with a personal touch. We take great pride in helping our members get the best value for their dollar.