In 2025, the FHA loan limits in Ronkonkoma, Suffolk county, NY are as follows: $1,089,300 for a single-family home, $1,394,775 for two-unit homes, $1,685,850 for three-unit homes, and $2,095,200 for four-unit homes.
Conventional loans have maximum amounts set at $1,089,300 for single-family homes, $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for fourplexes.
To view today's leading FHA rates and assess the necessary downpayment, income, credit, reserves, and documentation needed for qualification, make use of our FHA calculator.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan types. You can explore and compare Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans against FHA options.
Lendersa® efficiently compiles and analyzes loan program data from a vast network of lenders, delivering tailored comparisons based on your distinct financial situation and needs.
The Loan Limits Comparison Table for 2025 in Ronkonkoma, Suffolk county, NY helps you compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a deeper analysis of qualification requirements such as income, reserves, and credit, apply 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 | $776,600 | $776,600 | $776,600 | $776,600 |
| 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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