In 2025, the FHA loan limit in Baywood within Suffolk county, NY, is $1,089,300 for a single-family property. For two units, it's $1,394,775; for three units, $1,685,850; and for four-unit buildings, $2,095,200.
With conventional loans, the ceiling for a single-family residence is $1,089,300. For 2-unit properties, it's $1,394,775, for three units $1,685,850, and for four units $2,095,200.
Utilize the FHA calculator to access the finest rates today and to determine the necessary downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator allows you to contrast FHA rates and terms against other programs. Consider FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By gathering loan data from thousands of lenders, Lendersa® quickly matches it with your financial profile for a suitable comparison.
For 2025, within Baywood in Suffolk county, NY, view the Loan Limits Comparison Table for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualifications like income, reserves, and credit, utilize 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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