In 2025, the FHA loan limits for Springs county, located in Suffolk, NY, are delineated as follows: $1,089,300 for single-family homes, $1,394,775 for two-unit residences, $1,685,850 for triplexes, and $2,095,200 for properties with four units.
The upper limits for conventional loans on single-family residences begin at $1,089,300. For duplexes, these rise to $1,394,775; for triplexes, they advance to $1,685,850; and for four-unit homes, they reach $2,095,200.
Employ our FHA calculator to access today’s leading FHA rates and to determine the necessary downpayment, income qualifications, credit score requirements, reserves, and documentation needed to qualify effectively.
The Lendersa® calculator provides an effective means to compare the FHA rates and terms with a wide array of other loan programs. Consider and examine the possibilities offered by Conventional loans, Jumbo loans, VA, USDA, Non-QM, along with hard money loans, beside FHA choices.
Lendersa® accesses extensive data from thousands of lenders, enabling swift comparisons aligned with your individual financial profile and needs.
The Loan Limits Comparison Table for 2025 within Springs county of Suffolk, NY, allows examination of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To compare the essentials such as income, reserves, and credit prerequisites, consider using the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comprehensive evaluation.
| 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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