In the year 2025, the FHA loan limit for a single-family home in Suffolk county within Bayport, NY is $1,089,300. The limit is $1,394,775 for a property with 2 units, $1,685,850 for those with 3 units, and $2,095,200 for ones with 4 units.
Regarding conventional loans, the maximum for a single-family residence is $1,089,300, with limits for a duplex at $1,394,775, a triplex at $1,685,850, and a four-plex at $2,095,200.
Utilize our FHA calculator to discover the best current FHA rates and understand the requirements, including down payment, income, credit, reserves, and necessary documents for eligibility.
The Lendersa® calculator is designed to facilitate comparisons of FHA rates and terms against other loan programs. Dive into details on Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® efficiently gathers data from thousands of lenders and matches it to your distinct financial profile and requirements swiftly.
For 2025 in Bayport, Suffolk, NY, use the Loan Limits Comparison Table to explore and contrast maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve into specific qualification needs like income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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