In 2025, the FHA loan limits for St.-James, within Suffolk county, NY, stand at $822,375 for a single-family home. For two-unit homes, the limit is $1,053,000, increasing to $1,272,750 for three-units, and reaching $1,581,750 for four-unit properties.
Conventional loans have caps of $822,375 for single-family residences, $1,053,000 for two-units, $1,272,750 for three-units, and $1,581,750 for four-units.
Use our FHA calculator to properly assess today's premium FHA rates and determine necessary downpayment needs, evaluate income levels, review credit standings, manage reserves, and organize required documents for qualification.
The Lendersa® calculator provides a platform to compare FHA rates and terms with those of other loan programs. This includes options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® gathers extensive data, aggregating loan program information from thousands of lenders to make swift comparisons aligned with your financial profile and needs.
For 2025 in St.-James, Suffolk county, NY, utilize the Loan Limits Comparison Table to review maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification requirements including income, reserves, and credit, employ the 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 | $657,900 | $657,900 | $657,900 | $657,900 |
| 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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