FHA VS Conventional loan 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.

Discover loan offers from a cohort of 100 lenders

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.

Lendersa matched results for USDA loan requests


  • evolve Federal Credit Union
  • 8820 Gazelle Drive, El Paso, TX, 79925
  • evolve Federal Credit Union offers a full-service banking for anyone who lives, works or worships in El Paso. With 4 branch locations throughout El Paso, a full range of online services, and our mobile app, we can provide all of our members with a simple, easy and fast way to bank. Our mission is to build member loyalty through service.
  • GECU
  • 1225 Airway Blvd, El Paso, TX, 79925
  • In 1932, 11 El Paso civil servants pooled $5 each to form a credit union. Today, GECU is the largest and one of the strongest locally owned financial institutions in the city we call home with more than 400, 000 members, 30 branches. For over 85 years the people of our communities have been helping each other make dreams come true.
  • Sun City Home Loans
  • 1155 Westmoreland Dr, Suite 107, El Paso, TX, 79925
  • Sun City Home Loans offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the El Paso area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers.
  • Pioneer Bank
  • 705 East University Avenue, Suite A, Las Cruces, NM, 88001
  • Pioneer Bank has been proudly serving the financial needs of Southeastern New Mexico and West Texas since 1901. We continue to offer the most innovative banking products along with providing you with the best customer service. At Pioneer Bank, we know there is much more to life than managing your money.
  • Binary Investments, LLC
  • 6044 Gateway Blvd E, Suite 210, El Paso, TX, 79905
  • We work with a network of investors and hard money lenders to get you the deal that works for your project. We are able to find the right solutions for your real estate investment opportunities. We make our terms simple and understandable so you know you are getting the best deal possible.
  • High Desert Capital LLC
  • 6080 Surety Dr, Suite 101, El Paso, TX, 79905
  • "The commercial lending market in El Paso, Texas is as diverse as the people who populate this city. Our vision of providing premier, non-traditional lending services is uniquely designed to serve the needs for El Paso, Texas.Our commitment to you is to deliver these services through our philosophy of working creatively with our clients."
  • Home Plate Mortgage
  • 6070 Gateway East, Suite 311, El Paso, TX, 79905
  • Home Plate Mortgage was established in 2018. Home Plate Mortgage is owned and operated by Gilbert Madrid. Gilbert has been a Residential Mortgage Loan Originator for over 9yrs. Home Plate Mortgage specializes in VA, FHA, Conventional and USDA loans. They have a wide range of programs to fit your mortgage needs
  • Patriot Mortgage
  • 2505 East Missouri Avenue, Suite 240, El Paso, TX, 79903
  • Patriot Mortgage- NMLS #311157- is a locally owned Mortgage Lender based in El Paso, Texas. Since 1995, Patriot Mortgage has serviced home loans for thousands of El Paso families and is the preferred lender of Tropicana Homes and also Tropicana Homes is the largest and most trusted homebuilder in El Paso. highest quality new homes.
  • Insight Mortgage Company, LLC
  • 300 Thunderbird, El Paso, TX, 79912
  • Insight Mortgage Company is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. We will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Prime Mortgage LLC
  • 550 S Mesa Hills Dr, Suite A-1, El Paso, TX, 79912
  • Prime Mortgage LLC has a variety of mortgage loan products. FHA, VA, Conventional, Texas Vet,USDA. We also specialize in private mortgage loans. These mortgage loans we fund directly from our office and can assist the "harder" to qualify borrower. Ramsey Esper President of Prime Mortgage LLC.