FHA VS Conventional loan programs in 2026 for Oakdale, Suffolk County, New York

In 2026, the limit for a conventional loan in Oakdale, located in the county of Suffolk, NY, is $1,089,300, while the FHA limit for a single-family home is $1,089,300.

The Lendersa® Conventional loan calculator allows you to evaluate today’s best rates for Conventional, FHA, and USDA loans, and understand the income, credit, reserves, and documentation needed to qualify. Our advanced calculator places Conforming Conventional loans side by side with USDA, FHA, and VA options, helping you decide on the most suitable program in NY for your financial situation.

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Loan Limits and Down Payment Requirements for 2026 in Oakdale, Suffolk, 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: 11769

Available Conventional and FHA Loan Options in Oakdale, NY

Lendersa® is committed to offering the best possible Conventional, USDA, or FHA loans quickly and without stress. Choose one of three options to find matching lenders and loan programs that meet your needs.

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  • Coastal Capital Funding Inc
  • 1300 Bristol Street North, Suite 100, Newport Beach, CA, 92660
  • Coastal Capital Funding is a residential mortgage practice with a track record of closing on time and providing AMAZING communicating to our clients. Steve Berger has been a licensed mortgage professional in multiple states since 2003. He is the Founder and CEO for Coastal Capital Funding

  • Fast Direct Lending
  • 4100 Campus Drive, Suite 210, Newport Beach, CA, 92660
  • We take pride in providing you with excellent service and appreciate the opportunity to assist you with your Mortgage Needs. Fast Direct Lending, a professional mortgage company specializing in residential mortgages.At Fast Direct Lending, we will find a loan that fits each borrower.

  • Five Fifty Financial
  • 2549 Eastbluff Drive, Suite 208, Newport Beach, CA, 92660
  • 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.

  • Ameriflex Mortgage
  • 4570 Campus Drive, Suite 8, Newport Beach, CA, 92660
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.

  • Pacific Coast Lending
  • 4570 Campus Drive, Suite 5, Newport Beach, CA, 92660
  • 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.

  • K Pacific Group
  • 1300 Quail Street, Suite 275, Newport Beach, CA, 92660
  • Established in Newport Beach, our presence is expanding throughout California. Our goal is to provide each client with personalized, honest and ethical service through numerous quality control systems. By utilizing proven strategies that take into account the borrower's current and future financial goals,

  • Master Key Capital
  • 5 Upper Newport Plaza, Building 5, Suite 205, Newport Beach, CA, 92660
  • Master Key Capital we offer great rates with our FHA, VA, USDA, JUMBO, Interest Only and Conventional loans. We also specialize in true Stated income loans and Bank Statement loans with loans amount from $150,000.00-$5,000,000.00 plus. We help borrowers find financing from Excellent credit to Poor Credit.

  • Thayer Financial Corporation
  • 20151 SW Birch Street, Suite 200, Newport Beach, CA, 92660
  • Residential First Mortgage began business in 1994. From the beginning, it has been our vision to build a business from repeat clients and client referrals, ultimately creating “clients for life”. Because we do not advertise, our reputation is essential. In order to build and maintain that reputation we enter into each transaction.

  • Choice Financial Group
  • 5000 Birch Street, Suite 3000, Newport Beach, CA, 92660
  • Choice Financial Group, is a mortgage broker and a subsidiary of California Financial Realty Inc. a privately owned company. Under the same leadership, we have been providing superior service to our clients since 1985. We also provide full Real Estate service..
    We can represent buyers and sellers for any Real Estate transaction.

  • The Lending Group Inc.
  • 3400 Irvine Avenue, Suite 212, Newport Beach, CA, 92660
  • "We know that each customer has specific needs and we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for.
    With a variety of loan programs and an established network of lenders behind us"

  • WFP Lending
  • 4540 Campus Dr, Suite 106, Newport Beach, CA, 92660
  • At WFP Lending! Since 1998 we have been helping consumers get the best deal possible by giving consumers multiple offers from several wholesale lenders in a matter of minutes, WFP Lending makes comparison shopping easy from over 90 wholesale lenders. You the consumer WINS because when lenders compete you get the very best price!

  • First Reliant, Inc.
  • 2082 SE Bristol Street, Suite 201, Newport Beach, CA, 92660
  • At First Reliant, Inc. we are certain you deserve better. That’s why we provide a personal mortgage specialist to every mortgage applicant – someone who’ll help you find the right mortgage, put together the application and close the loan.Your personal mortgage specialist will answer all your questions and even fill out the forms for you.