In 2025, the FHA loan limits for Hampton-Bays county in Suffolk, NY are established as: $822,375 for a single-family home, $1,053,000 for two-unit buildings, $1,272,750 for three-units, and $1,581,750 for four-unit properties.
Conventional loans have maximum amounts of $822,375 for single-family homes, $1,053,000 for two-units, $1,272,750 for three-units, and $1,581,750 for four-units.
Utilize our FHA calculator to access today’s best FHA rates, determining downpayment, required income, credit needs, reserves, and documentation for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with various other loan programs. Explore alternatives like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA products.
Lendersa® collects extensive loan data from many lenders, quickly aligning it with your unique financial pattern and requirements.
The Loan Limits Comparison Table for 2025 in Hampton-Bays county, Suffolk, NY, provides a summary of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximums. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess income, reserves, and credit qualifications.
| 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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