In 2025, FHA loan limits in Holtsville county of Suffolk, NY are $1,089,300 for a single-family home, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
For conventional loans, the maximum on a single-family residence is $1,089,300. It goes up to $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
Use our FHA calculator to access today’s top FHA rates and determine the necessary downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loans, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® gathers data quickly from thousands of lenders to align it with your financial profile and needs.
The Loan Limits Comparison Table for 2025 in Holtsville county, Suffolk, NY, outlines maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. To evaluate qualifications like income, reserves, and credit, use 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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