FHA VS Conventional loan programs in Oyster-Bay, Nassau County, New York
During 2025, the limit for a Conventional loan in Oyster-Bay, which is part of Nassau county in NY, is $970,800, whereas the FHA loan limit is $970,800 for single-family residences.
Leverage Lendersa® Conventional loan calculator for a comprehensive analysis of today's top Conventional, FHA, and USDA rates. Assess what income, credit, reserves, and necessary documentation facilitate qualification. Our robust mortgage calculator provides a side-by-side comparison of Conforming Conventional loans, USDA, FHA, and VA options, aiding you in selecting the most fitting program in NY for your specific financial needs.
Loan Limits and Down Payment Requirements for 2025 in Oyster-Bay, County Nassau, NY
Loan Type
Loan Limit
Down payment
Conventional Conforming
$970,800
3%
USDA
$0
0%
FHA
$970,800
3.5%
This information is relevant for the following ZIP codes: 11547, 11545, 11548, 11762, 11804, 11709, 11714, 11568, 11560, 11791, 11797, 11771, 11579, 11753, 11758, 11765, 11803, 11801, 11735, 11732, 11737, 11773, 11802, 11815, 11853
Exploring Conventional and FHA Loan Offerings in Oyster-Bay, NY
At Lendersa®, we aim to expedite the process of securing the most beneficial Conventional, USDA, or FHA loans without unnecessary delays or complexity. Start your journey by selecting one of three pathways that lead to a well-matched alignment of lenders and loan programs.
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It started out as Fresno County Employees Credit Union in 1941, we didn’t even have an office location to call home. The credit union existed in the briefcase of Fred E. Main, one of our first members. Despite our humble beginnings, we had a dream to thrive and serve our members well.
The decades that followed were tremendously successful
