In 2025, the FHA loan limits in Oyster-Bay county, Nassau, NY stand 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 loan amount for conventional loans on a single-family residence peaks at $822,375. For two-unit homes, it is $1,053,000, for three units, $1,272,750, and for four-unit properties, it's $1,581,750.
Utilize our FHA calculator to access today’s top FHA rates and calculate the down payment, income, credit requirements, reserves, and documents needed for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those of different loan programs. Consider and evaluate Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Lendersa® compiles data from thousands of lenders, rapidly comparing it to your financial profile and needs.
The Loan Limits Comparison Table for 2025 within Oyster-Bay county, Nassau, NY, facilitates assessment of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To explore qualification criteria like income, reserves, and credit, use 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 | $0 | $0 | $0 | $0 |
| 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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