In 2025, the FHA loan limit in Islip county, Suffolk, NY is set at $1,089,300 for a single-family home. For two-unit properties, it is $1,394,775, for three units $1,685,850, and for four units, the cap is $2,095,200.
The highest loan amounts for conventional loans on a single-family residence are $1,089,300. For two units, it is $1,394,775; for three units, the limit is $1,685,850; and for four units, it extends to $2,095,200.
Use our FHA calculator to discover today’s top FHA rates and figure out the down payment, income requirements, credit standards, reserves, and documents necessary to qualify.
The Lendersa® calculator enables you to compare FHA rates and terms with those of other loan programs. Analyze and evaluate Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® compiles comprehensive loan data from thousands of lenders, offering prompt comparisons matched to your financial profile.
The Loan Limits Comparison Table for 2025 in Islip county, Suffolk, NY, provides a detailed view of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements such as 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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