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

In 2025, Convetional loan limit in Yaphank, county of Suffolk, NY is $1,089,300 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NY is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Yaphank, 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%

The comparison table applies to zip codes: 11980

Conventional and FHA loan options in Yaphank, NY

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Calhoun Mortgage, INC
  • 5840 Sterling Dr, Suite 240, Howell, MI, 48843
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Lakeview Funding Group LLC
  • 1749 Welland Street, Howell, MI, 48855
  • Lakeview Funding Group LLC is your hometown mortgage broker! We are licensed and cover all of Michigan and Indiana. Our promise is to find the best loan program and interest rate for your individual needs. Having many lenders to choose from, we shop around so you don't have to! We specialize in Conventional, FHA, USDA and VA loans.
  • Advantage Rate Mortgage LLC
  • 9912 Monroe Road, Suite 202, Matthews, NC, 28105
  • Advantage Rate Mortgage has the ability to customize our mortgage offerings to best meet our customers needs. We partner with several different lenders so we can offer a large variety of products and rates for our customers vs. a big bank approach that only offers limited programs and terms.
  • Straightline Funding, LLC
  • 250 N. Trade St, Suite 209, Matthews, NC, 28105
  • Straightline was founded in 2006 with the goal of becoming a premier provider of loans for real estate investors. Our simple approach has always been to provide fast answers, great service, and reliable funding for our clients. Since 2006 we have provided millions of dollars in loans to local real estate investors who have improved properties, st
  • Rebecca Richardson | The Mortgage Mentor
  • 4064 Colony Road, Charlotte, NC, 28211
  • REBECCA'S passion in life is helping fulfill her client’s dreams of home ownership. Buying a house can be exciting, and the mortgage process can seem daunting. Staying focused on clients' needs, Rebecca provide consultation and information on the appropriate mortgage strategy to meet your goals.
  • Wyndham Capital Mortgage
  • 4064 Colony Rd, Floor 2, Charlotte, NC, 28211
  • Wyndham Capital Mortgage’s corporate culture empowers our employees. We strive to facilitate a greater sense of purpose in your jobs and lives, and your involvement will translate directly into continuous improvement in our systems and processes. In an empowered organization, you bring your best ideas
  • Uwharrie Bank
  • 141 Providence Rd, Charlotte, NC, 28207
  • Uwharrie Bank exists for the same reasons that any bank exists. But our story is so much more than that. We’re more than a collection of services and accounts. We’re people. We’re conversations. We’re ears to listen and hearts full of helpful advice. We believe that by doing our jobs just a little bit better
  • YS Federal Credit Union
  • 217 Xenia Avenue, Yellow Springs, OH, 45387
  • Since 1948, YSCU has been serving members with the highest quality, easy-access financial services. We provide a complete line of efficient, cost-effective financial services and tools to meet the speed and need of your life. As a not-for-profit cooperative, owned and operated by our members,