In 2025, FHA loan limits in North-Patchogue county of Suffolk, NY are set at $822,375 for a single-family home. It increases to $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
The maximum amount for conventional loans on a single-family residence is $822,375. For two units, it's $1,053,000, for three units $1,272,750, and for four units $1,581,750.
Use our FHA calculator to access today’s optimal FHA rates, and determine the downpayment, income, credit, reserves, and documents required to qualify.
The Lendersa® calculator facilitates comparisons between FHA rates and terms and those of other programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects loan program data from thousands of lenders, efficiently matching it with your specific financial needs.
See the Loan Limits Comparison Table for 2025 in North-Patchogue county of Suffolk, NY, which includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualifications such as income, reserves, and credit.
| 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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