FHA VS Conventional loan in Smithtown, Suffolk County, New York
In 2025, the conventional loan limit for Smithtown in the county of Suffolk, NY, is set at $1,089,300. Meanwhile, the FHA limit for a single-family home is $1,089,300.
With the Lendersa® Conventional loan calculator, you can compare today's best rates among Conventional, FHA, and USDA loans, assessing income, credit, reserves, and the necessary documents for qualification. Utilizing our sophisticated mortgage calculator, you can see Conforming Conventional loans along with USDA, FHA, and VA loans side-by-side, aiding in deciding which program in NY fits your financial goals.
Loan Limits for 2025 and Down Payment Requirements in Smithtown, 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: 11768, 11767, 11725, 11754, 11787, 11780, 11788
Conventional and FHA Loan Opportunities in Smithtown, NY
The objective of Lendersa® is to swiftly connect you with the best available Conventional, USDA, or FHA loans without any hassle. Choose from one of three starting points designed to match you with suitable lenders and loan programs.
3639 Ambassador Caffery Pkwy, Suite 420, Lafayette, LA, 70503
Prestige Mortgage of Louisiana LLC. is committed to providing our clients with the highest quality financial services combined with the lowest costs and rates available in the area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically.
Since 1954, MERITUS ® Credit Union (formerly Lafayette Schools Credit Union) has been dedicated to providing the best value in banking. You can count on us for personal service and solutions that fit every stage of your life and financial goals. Our mission is Securing your future by delivering affordable financial solutions,
3639 Ambassador Caffery, Suite 302, Lafayette, LA, 70503
Our staff of mortgage professionals will give you the personal attention you deserve and treat you with the respect due to a valued customer. We understand you’re making a commitment in buying a new home or refinancing your current home. So, in turn, we will also make a commitment to you. We will help you qualify, apply
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
InterTrust Mortgage, L.L.C. is a full service, licensed mortgage broker. It is our commitment to offer only the highest quality professional service to our clients, Realtors and associates in related fields. Over the years, we have built a reputation of offering honest, ethical, and thorough service to our clients.
Central mortgage service inc founded in 1999 we've weathered many storms and changes in this industry. Constantly adapting, overcoming and adjusting to the ever changing lending programs and guidelines. Now more than ever, you need to deal with a tried and proven industry professional.
We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
We continue that philosophy by serving our mission to be the most trusted bank in the communities we
serve by knowing and understanding the needs of customers, employees and shareholders while
providing them with the best possible products, services and opportunities to meet their goals.
