For 2025, the FHA loan limits in Shirley county of Suffolk, NY are: $1,089,300 for a single-family home, $1,394,775 for two-unit homes, $1,685,850 for three units, and $2,095,200 for properties with four units.
The maximum amount for conventional loans on a single-family residence is $1,089,300. This increases to $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four-unit homes.
To explore today’s FHA best rates and requirements for qualification—including downpayment, income, credit score, reserves, and documentation—use our FHA calculator.
With the Lendersa® calculator, you can compare FHA rates and terms with those of other loan programs. Consider options from Conventional, Jumbo, VA, USDA, Non-QM, to Hard Money loans, alongside FHA.
Lendersa® swiftly collects loan program data from thousands of lenders, aligning it against your unique financial needs and profile.
The Loan Limits Comparison Table for 2025 in Shirley county, Suffolk, NY, provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. For analyzing qualification requirements like income, reserves, and credit, employ 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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