In 2025, the FHA loan limits in Lake-Ronkonkoma county of Suffolk, NY are set at $822,375 for a single-family home, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
The maximum for conventional loans on a single-family residence is $822,375. For two units, it is $1,053,000, for three units it's $1,272,750, and for four units, it is $1,581,750.
Use our FHA calculator to check today’s best FHA rates and understand the requirements for downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs, like Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money.
Lendersa® gathers data from many lenders, rapidly comparing it with your financial profile and needs.
The Loan Limits Comparison Table for 2025 in Lake-Ronkonkoma county, Suffolk, NY, highlights maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (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 | $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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