FHA VS Conventional loan programs in Ronkonkoma, Suffolk County, New York

In 2026, the Conventional loan cap in Ronkonkoma, located in the county of Suffolk, NY, is $1,089,300. Meanwhile, the FHA limit for a single-family dwelling is $1,089,300.

Leverage the Lendersa® Conventional loan calculator to evaluate today's prime rates for Conventional, FHA, and USDA loans. It helps estimate the necessary income, credit standing, reserves, and documents needed for eligibility. With this advanced tool, you can conduct a side-by-side comparison of Conforming Conventional loans with USDA, FHA, and VA options, helping you identify the best program within NY for your financial circumstances.

Compare loan offers from 100 lenders

2026 Loan Limits and Downpayment Requirements in Ronkonkoma, County of Suffolk, NY

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

Note: The comparison table is applicable to zip codes: 11779

Options for Conventional and FHA Loans in Ronkonkoma, NY

The aim of Lendersa® is to secure the most favorable Conventional, USDA, or FHA loan for you rapidly and effortlessly. Choose from three initial pathways that lead to suitable lenders and matching loan programs.

Lendersa USDA loan request and matching results


  • CUSB Bank
  • 111 North Elm Street, Cresco, IA, 52136
  • Our bank is small enough to give you the personal attention you want, yet sophisticated enough to provide the wide range of products and services you or your business need. For years our staff has taken great pride in the personal, one-to-one attention that our size enables us to render to our valued customers

  • Peoples Savings Bank
  • 101 Bluff Street, Rhineland, MO, 65069
  • Peoples Savings Bank was organized August 13, 1935 in Rhineland, Missouri as a locally owned independent community bank. Throughout the next forty years, the bank had steady growth and in 1971 built a new bank adjacent to the old bank building. The bank was threatened by the flood of 1973,

  • American Residential Mortgage LLC
  • 215 Celebration Place, Suite 520, Celebration, FL, 34747
  • At American Residential Mortgage we offer a variety of loan programs that can help you achieve your goals whether you are looking to buy, build, or refinance your home. This gives us the advantage of being able to provide a great rate and a program that fits each of our clients individual requirements.

  • Sunland Capital Mortgage Corporation
  • 708 Mulberry Ave, Kissimmee, FL, 34747
  • As your full-service mortgage brokerage company, Sunland Capital Mortgage Corporation works one-on-one with you to get your borrowers' loans approved and closed on-time. Sunland Capital Mortgage Corporation is a mortgage brokerage with ultra-competitive rates and in-depth knowledge of the regional mortgage scene.

  • Simons & Leoni Home Loans, LLC
  • 741 Front St# 130, Celebration, FL, 34747
  • Simons & Leoni Home Loans, LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • Dairy State Bank
  • 16 South Main Street, Rice Lake, WI, 54868
  • Our goal is to provide you with a connection to Dairy State Bank and members of the communities we serve. We do review comments and will remove negative, explicit, profane, offensive or disruptive activity. Links we provide to third-party sites do not indicate endorsement and also provide the best customer service possible

  • Nationwide Quick Loan, Corp
  • 291 Awin Cir. SE, Palm Bay, FL, 32909
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • Harmony Mortgage Inc
  • 6050 Babcock Street, Suite 27, Palm Bay, FL, 32909
  • 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.

  • LG&W Federal Credit Union
  • 1616 Whitten Road, Memphis, TN, 38134
  • L G & W Federal Credit Union is dedicated to serving and supporting the MLGW family with the financial products and services they want and need.
    Our friendly and knowledgeable staff has just one goal-to serve you! Unlike some larger financial institutions, we see you as a unique person, not just another account number.

  • Hometown Captial Group
  • 2860 Bartlett Rd, Suite 6, Bartlett, TN, 38134
  • Hometown Captial Group 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.

  • Financial Federal Bank
  • 1715 Aaron Brenner Drive, Suite 100, Memphis, TN, 38120
  • Financial Federal is locally owned and operated and remains a community bank that specializes in high quality customer service and customized banking solutions. Our board and senior management continue to focus on creating an atmosphere that is appreciated by those who value the confidence that comes from experience

  • The Wendy Thompson Lending Team
  • 6489 Quail Hollow Rd, Suite 106, Memphis, TN, 38120
  • Compare, Offer and Close with CONFIDENCE with The Wendy Thompson Team.
    Your homebuying journey should start with finding a lender. Mortgages are long-term relationships, and you will want to be confident that your lender offers a strong combination of quality service and competitive pricing.