In 2025, the FHA loan limits for Bay-Shore county of Suffolk, NY are as follows: $822,375 for a single-family home, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
The maximum amount for conventional loans on a single-family residence is set at $822,375, reaching $1,053,000 for two-unit homes, $1,272,750 for three units, and $1,581,750 for four units.
Our FHA calculator can help you explore today's best FHA rates, calculate downpayment needs, assess income, credit, reserves, and other qualifications.
Using the Lendersa® calculator, compare FHA rates and terms with those of various loan products like Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® quickly gathers data from thousands of lenders to match your financial profile and needs accurately.
The Loan Limits Comparison Table for 2025 in Bay-Shore county of Suffolk, NY, provides a comprehensive look at the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualifications like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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