In 2025, the FHA loan limit in Oceanside county, part of Nassau, NY, is $1,089,300 for a single-family home. For two units, it's $1,394,775, $1,685,850 for three units, and $2,095,200 for four units.
The maximum amount for conventional loans on a single-family residence is $1,089,300. It increases to $1,394,775 for two-unit homes, $1,685,850 for three units, and $2,095,200 for four.
Use our FHA calculator for current FHA rates and to determine downpayment, income, credit, reserves, and necessary documents needed to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® quickly accesses data from thousands of lenders to match it with your financial profile and needs.
For 2025, the Loan Limits Comparison Table in Oceanside county of Nassau, NY, details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (HECM), and Hard Money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comparing qualification criteria like 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 | $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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