In 2025, the FHA loan limit in Stony-Brook county of Suffolk, NY is set at $822,375 for a single-family home, $1,053,000 for two-unit housing, $1,272,750 for three-unit properties, and $1,581,750 for four units.
The maximum limits for conventional loans are $822,375 for single-family residences, $1,053,000 for two-unit dwellings, $1,272,750 for three-unit homes, and $1,581,750 for buildings with four units.
Use our FHA calculator to explore today’s prime FHA rates and determine what downpayment, income, credit, reserves, and documents are needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with other loan programs. Check out options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® pulls data from thousands of lenders to provide personalized comparisons of loan programs against your unique financial profile.
The Loan Limits Comparison Table for 2025 in Stony-Brook county of Suffolk, NY lets you compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review qualification criteria like income, reserves, and credit.
| 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 |
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
