FHA VS Conventional loan programs in Oceanside, Nassau County, New York

In 2025, the limit for conventional loans in Oceanside, located in the county of Nassau, NY, is set at $1,089,300. The FHA limit for a single-family home stands at $1,089,300.

Make use of the Lendersa® Conventional loan calculator to assess today's prevailing rates for Conventional, FHA, and USDA loans. Determine the income, credit score, reserves, and documentation necessary for qualification. Our advanced mortgage tool shows side-by-side comparisons for Conforming Conventional, USDA, FHA, and VA loans, allowing you to choose the optimal program in NY for your financial needs.

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Understanding 2025 Loan Limits and Down Payment Requirements in Oceanside, Nassau, NY

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

This table is applicable for zip codes: 11572

Exploring Conventional and FHA Loan Possibilities in Oceanside, NY

At Lendersa®, the goal is to swiftly connect you with the most suitable Conventional, USDA, or FHA loan options effortlessly. Choose from three initial pathways that will align you with matching lenders and suitable loan programs.

Overview of Lendersa's USDA loan request and matching results


  • Agora Lending
  • 1215 W. Rio Salado Parkway, Suite 107, Tempe, AZ, 85281
  • Agora Lending now a division of ONE AMERICAN BANK, is a next-generation mortgage software company and direct lender that originates high quality mortgage loans. We are wildly passionate about providing the consumer with an industry-leading price and a highly-intuitive, transparent, and efficient loan process.
  • B HOME Mortgage
  • 11811 N Tatum Blvd, Suite 3031, Phoenix, AZ, 85028
  • My name is Brandon Ross and I’m a mortgage consultant with B|HOME Mortgage in Phoenix. As a mortgage broker, I have access to numerous programs from the nation’s top residential lenders. I’m here to help you achieve your real estate goals. My promise is to deliver competitive rates with low costs
  • Home Loans by Paige, LLC
  • 3420 East Shea Boulevard, Suite 200, Phoenix, AZ, 85028
  • Every mortgage company and Loan Officer has the "best" rates, programs, service etc. The resourceful and skilled team at Home Loans By Paige is eager to help you reach your dreams. Mortgages made easy ... How to Qualify For a Low Rate Mortgage without the Headaches, Hassles, or Haggling! First Time Homebuyers ... Low Down Payment.
  • B HOME MORTGAGE
  • 11811 North Tatum Boulevard, Suite 3031-11, Phoenix, AZ, 85028
  • "B Home Mortgage is a local, family owned and operated Mortgage Company serving Phoenix and other parts of Arizona since 2005. Founded by Brian Carpenter and his father-in-law Kevin Burk, we have always provided exceptional service at a lower rate and price than everyone else on every type of residential mortgage loan.
  • Orion Mortgage Corporation
  • 11120 NTatum Boulevard, Suite 100, Phoenix, AZ, 85028
  • At Orion Mortgage, we’ve been helping residents all over the Valley reach their dreams of homeownership. Our dedicated team of mortgage and loan professionals are committed to providing the personal attention and excellent customer service you deserve. We are a small company that believes in honesty, hard work, and exemplary customer service.
  • Happy Valley Mortgage Company, LLC
  • 2550 West Union, Suite 356, Phoenix, AZ, 85028
  • Happy Valley Mortgage Company, LLC founder of the Donna Avram have been in the mortgage business for over 23 years now, I have been a top producer for many years and now opened my own mortgage brokerage. My business is primarily generated by word of mouth. It brings me great pleasure to see clients leaving my office happy.
  • TH Mortgage Advisors
  • 3420 E. Shea Blvd, Suite 200, Phoenix, AZ, 85028
  • "I'm here to solve that for you. Go ahead and download my cheat sheet and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy. When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation"
  • Affinity Home Mortgage, LLC
  • 3420 East Shea Boulevard, Suite 200, Phoenix, AZ, 85028
  • We provide excellent service with rates and fees that are hard to beat. With our vast resources, experience, and knowledge, we make the lending process easy peasy. We've got you covered from boring conventional to exotic niche loans! We'll take the time to explain all the different loan options available
  • Summit Lending Solutions LLC
  • 2980 E Northern Ave, Building C, Phoenix, AZ, 85028
  • summit Lending Solution is to become a nationwide lender serving all 50 states within the next ten years. We hope that you will put our experience and expertise to the test! Please visit our website, check our reviews, visit us on social media or give us a call when you are ready to buy a home or refinance
  • AZ MORTGAGE BROKER, LLC
  • 11021 N 38th Place, Phoenix, AZ, 85028
  • The AZ Mortgage Broker, LLC Team is your Arizona experienced mortgage team located in Phoenix, Arizona. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Phoenix area.
  • ProLending Home Finance
  • 11201 N Tatum Blvd, Suite 300, Phoenix, AZ, 85028
  • ProLending, we don’t see customers as numbers and paperwork. For us, doing business is about making human connections. We listen to the people we serve. We find the right mortgage solution for their specific needs. And we help them achieve their dreams of homeownership. You’ll see it in everything we do.
  • Axel Mortgage Inc.
  • 2318 E. Shea Blvd., Phoenix, AZ, 85028
  • Axel Mortgage, Inc. where exceeding the standard for responsible lending is our mission! We don't use deceptive advertising or hire misleading loan officers to drive our business. We have consistently earned the highest rating available with the Better Business Bureau for doing business ethically. We don't charge upfront lock fees