During 2025, the FHA loan limit in Centereach county, Suffolk, NY is set at $1,089,300 for a single-family home. It is $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
The maximum for conventional loans on a single-family residence is $1,089,300. For two-unit homes, it's $1,394,775, $1,685,850 for three units, and $2,095,200 for four units.
Utilize our FHA calculator to view today's best FHA rates and understand the qualifications needed, including downpayment, income, credit, reserves, and documentation.
With Lendersa®'s calculator, compare FHA rates and terms with other available loans like Conventional, Jumbo, VA, USDA, and Non-QM, including Hard Money loans.
Lendersa® collects data from numerous lenders and quickly matches it to your financial profile.
The Loan Limits Table for 2025 in Centereach county of Suffolk, NY, displays maximum amounts for various loans including FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. Utilize Lendersa®'s Super Loan Integrated Qualifier (SLIQ™) for assessing qualification needs like income, reserves, and credit.
| 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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