FHA VS Conventional loan in Smithtown, Suffolk County, New York
In 2026, 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 2026 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
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.
Central Arkansas Finance is located in Conway, Arkansas and has been one of the top mortgage lending firms in the State of Arkansas for over 10 years. We will represent you “the borrower” in obtaining the best possible financing. We are not tied to a particular lending institution and have access to many lenders.
Discover Project Funding AI, your trusted partner in real estate finance. Utilizing smart AI technology, we fund residential and commercial projects nationwide. With no upper limit and a minimum loan of $300,000, your ambitious real estate visions can become reality. Connect with us to transform your ideas into solid foundations. Email john@project
1900 Sunset Harbour Dr, Annex 2, Miami Beach, FL, 33139
Yale Mortgage Funding was founded in 1992 We specialize in funding hard equity loans. Our financing solutions help real estate investors accomplish their investment goals. Our relationship-oriented approach means, the more deals we fund with you, the easier it gets to close future loans. We want to be your reliable capital source.
429 Lenox Avenue, Suite 4C19, Miami Beach, FL, 33139
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.
429 Lenox Avenue, Suite 433, Miami Beach, FL, 33139
Established in 1990 to serve the needs of our community, in where are selling and funding deals all the time. KlickMortgage.com is one of the leaders in direct lending in Florida, and with our help, and effort on your part, you should be able to buy, refinance your home and make your dream come truth and accomplish your investment goal.
The mission of the Dynamic Mortgage is to setup, promote and implement high quality standards for the sole purpose of providing low-cost mortgage financing to our wonderful qualified clients. Dynamic Mortgage is built on the principles of quality service and professionalism, the structure of Dynamic Mortgage enables a relationship building.
1680 Michigan Ave, Ste 1001, Miami Beach, FL, 33139
Halpern & Associates, our team is dedicated to making sure you get the right mortgage for your home. For over two decades, our company has worked with both domestic and international clients and also Halpern & Associates has built our business and reputation on 100% word-of-mouth referrals.
Foundation Mortgage is a multi-state licensed mortgage bank headquartered in Miami Beach, Florida.Foundation Mortgage is HUD Approved FHA Lender, VA Lender, and Mortgage Banker Association member, We offer Conventional Fannie Mae & Freddie Mac loan products, Govt FHA & VA mortgages, Reverse Mortgages, Jumbo loans.
