Explore the differences! FHA VS Conventional loan programs in Montauk, Suffolk County, New York

For 2025, the Conventional loan limit in Montauk, located in Suffolk county, NY, is set at $1,089,300, while for a single-family home, the FHA limit is $1,089,300.

Make use of the Lendersa® Conventional loan calculator to compare today's leading rates across Conventional, FHA, and USDA loans. Find out the required income, credit score, reserves, and documents necessary for qualification. Our advanced mortgage calculator lets you place Conforming Conventional, USDA, FHA, and VA loans side by side, helping you determine the best program for your financial circumstances in NY.

Explore loan offers from over 100 lenders

Loan Limits and Down Payment Requirements for 2025 in Montauk, Suffolk County, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This table applies to the zip codes: 11954

Options for Conventional and FHA Loans in Montauk, NY

At Lendersa®, we strive to secure the best possible Conventional, USDA, or FHA loans with speed and ease. Choose from one of three starting points that guide you to matching lenders and suitable loan programs.

Results from Lendersa USDA loan requests and matches


  • MJG Capital
  • 5426 E. Walkerton Street, Long Beach, CA, 90808
  • MJG Capital, our goal is simple Provide our clients with best-in-class mortgage programs and top-notch customer service.and also MJG Capital is able to provide a wide-variety of loan programs paired with unparalleled customer service to many Americans, purchasing a home is the keystone to financial security. Many people decide to buy a home,
  • GROW Mortgages
  • 4501 E. Carson St. #203, Long Beach, CA, 90808
  • GROW Mortgages is a welcoming lending firm based out of Long Beach, CA. We are passionate in advancing the well-being of our local community by empowering financial development through local homeownership, which promotes economic growth. Whether you are a first time home buyer, a real estate investor
  • SAG-AFTRA FCU
  • PO Box 11419, Burbank, CA, 91510
  • Los Angeles AFTRA Federal Credit Union was founded in 1962 as a financial resource for members of the American Federation of Television & Radio Artists. From Coogan accounts to young performer & teen access accounts, auto and home loans, investments, retirement and estate planning, SAG-AFTRA FCU provides superior financial services to everyone
  • Access G T Mortgage Inc
  • 3975 River Rd N #1, Keizer, OR, 97303
  • We are a full service mortgage broker started in 2004 that follows the Golden Rule and offers five star service and the best rates in the business. We offer conventional, subprime, construction, renovation, jumbo, FHA, VA and USDA loans as well as private mortgages. We look forward to the opportunity to provide you with five star service.
  • Stratis Financial Corporation
  • 5772 Bolsa Avenue, Suite 250, Huntington Beach, CA, 92649
  • We are "SERIOUS ABOUT SERVICE"! Our mission is to deliver the highest level of service, accountability and integrity to our customers while offering a broad portfolio of mortgage products. We'll also be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.
  • PB Lending
  • 5200 Warner Avenue, Suite 102, Huntington Beach, CA, 92649
  • We believe that every client deserves the best care and service when refinancing or purchasing the home of their dreams. We shop until we find a mortgage that meets your needs and have what it takes to make a difference. We work with multiple lenders and we are able to provide our clients with extremely competitive pricing.
  • The Mortgage Hub
  • 5882 Bolsa Avenue, Suite 250, Huntington Beach, CA, 92649
  • Our established network of real estate professionals throughout California will be able to serve your needs promptly and with a very personalized approach. Whether you are a first-time homebuyer, just starting your research, or a seasoned investor you will be treated with the same high level of distinction.
  • Ratelock Financial
  • 16892 Bolsa Chica Street, Suite 202, Huntington Beach, CA, 92649
  • 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.
  • California Financial and Real Estate Center Inc
  • 16531 Bolsa Chica St, Unit 300, Huntington Beach, CA, 92649
  • California Financial and Real Estate Center Inc Since 1992 we have been committed to providing our clients with the highest quality financial services possible. We will work with you one-on-one to tailor a financial solution that is specifically suited to meet your financing needs.