FHA VS Conventional loan in West-Sayville, Suffolk County, New York

In 2026, the conventional loan limit in West-Sayville, located in Suffolk county, NY, is $970,800. For a single-family home, the FHA limit is $970,800.

Leverage the Lendersa® Conventional loan calculator to explore and compare today's finest Conventional, FHA, and USDA rates. It helps determine the needed income, credit, reserves, and documents required for eligibility. The advanced mortgage calculator aligns Conforming Conventional loans with USDA, FHA, and VA options, guiding you to select the best program in NY for your specific financial scenario.

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2026 Loan Limits and Down Payment Requirements in West-Sayville, Suffolk County, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This table pertains to the following zip codes: 11769

Explore Conventional and FHA Loans in West-Sayville, NY

Lendersa® strives to quickly connect you with the most suitable Conventional, USDA, or FHA loans without any hassle. Choose one of three starting points to find matched lenders and relevant loan programs.

Results of Lendersa USDA loan requests


  • Nakoma Mortgage Company
  • 165 B Glassell Street, Orange, CA, 92866
  • Nakoma Mortgage Company was founded on one principle. “Say what you mean then do what you say.” In the Chippewa language, Nakoma means “I do as I promise.”

    Company
    We have spent almost two decades giving our customers usable knowledge of the mortgage loan process. Providing expert advice based on the goals of our clients

  • Stearns Home Loans - Fremont, CA
  • 1110 E. Chapman Ave, Suite 101, Orange, CA, 92866
  • Headquartered in Lewisville, TX, Stearns Lending, LLC and its affiliated entities have provided 30 years of mortgage lending services throughout the United States where licenses are held. Stearns’ business channels include wholesale, retail, joint venture, and financial institution groups.

  • Independent Lending
  • 120 Vantis Dr Suite 300, Aliso Viejo, CA, 92656
  • Since 2001, I have had the opportunity to help over 1,000+ clients buy refinance their properties. I understand the value and freedom that can be created with the right refinance strategy. Whether you are refinancing your 1st, 4th or 10th investment property my team and I understand how to create the right mortgage strategies that meet your needs a

  • Capstone Federal Credit Union
  • 3 Polaris Way, Suite 31B, Aliso Viejo, CA, 92656
  • Capstone Federal Credit Union is a federally insured, member owned financial cooperative. Our purpose is to serve our members by providing savings, loans & other services in a convenient, equitable & competitive manner.

    Our members are the bedrock of our credit union. Member-owned & not-for-profit, we're a financial cooperative that puts your

  • Cory DePass Team
  • 85 Argonaut, Suite 100, Aliso Viejo, CA, 92656
  • With our team of experts, we have made the home buying process quicker, simpler and more affordable for you.

    We provide what we call the ‘Home Buyer’s Advantage’

    We help you move your offer to the top of the stack. So that you can get your dream home even if other buyers are bidding higher

  • LowerOurMortgage.com
  • 25 Anacapa Ln, Aliso Viejo, CA, 92656
  • At LowerOurMortgage.com our team of professional mortgage experts are Refinance Specialists. Loan options include VA and Conventional Loans. Now is the perfect time to refinance your current home. Rates are at an all time low!

    We are seeing some of the lowest interest rates ever from our lenders.

  • JMJ Financial - Long Beach
  • 26800 Aliso Viejo Pkwy, Suite 200, Aliso Viejo, CA, 92656
  • At JMJ Financial has been great. I wanted to refinance my house and they have been very efficient and easy to work with. They helped me with the loan and has made the process go very smoothly. I have been very satisfied with the experience and would feel confident referring a friend or family member.

  • Aliso Niguel Mortgage
  • 120 Vantis, Suite 336, Aliso Viejo, CA, 92656
  • 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.

  • RE Capital Group
  • 26895 Aliso Creek Rd, Suite B468, Aliso Viejo, CA, 92656
  • "We are a wholesale mortgage company offering all loan types for purchase and re-finance.

    We provide the lowest wholesale rates and loan costs, fast closing within average of 14-21 days, and no broker fees are paid by the Loan Applicant/Borrower. In addition, we can offer: appraisal waivers, escrow impound waivers for tax and insurance,"

  • USA Veterans Real Estate and Mortgage Company
  • 31801 East Nine Drive, Laguna Niguel, CA, 92677
  • USA Veterans Real Estate and Mortgage Company is a disabled veteran owned real estate and mortgage company focused on providing active duty military, reservists, national guard, veterans & all other patriots personalized real estate & mortgage services. Our goal is to provide the best possible deal to our customers at the lowest possible prices.