For 2025, the FHA loan limits in Merrick county of Nassau, NY are as follows: $1,089,300 for a single-family home, $1,394,775 for homes with two units, $1,685,850 for triplexes, and $2,095,200 for four-unit properties.
The maximum allowable for conventional loans on a single-family residence is $1,089,300. It increases 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 explore today’s best FHA rates and determine necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans. Explore and compare these options comprehensively.
Lendersa® quickly compiles loan program data from thousands of lenders, comparing it efficiently with your unique financial profile and needs.
In 2025, the Loan Limits Comparison Table for Merrick county of Nassau, NY, outlines the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To assess qualifications such as income, reserves, and credit, utilize 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 | $0 | $0 | $0 | $0 |
| 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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