In 2025, the FHA loan limits in West-Bay-Shore county of Suffolk, NY are set at $822,375 for single-family homes, $1,053,000 for two-unit residences, $1,272,750 for three units, and $1,581,750 for four-unit properties.
For conventional loans, the maximum permissible amount is $822,375 for single-family residences, $1,053,000 for two-unit homes, $1,272,750 for three units, and $1,581,750 for four-unit structures.
Utilize our FHA calculator to explore today’s best FHA rates and determine the necessary downpayment, income, credit score, reserves, and documents for approval.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans as alternatives.
Lendersa® aggregates data from thousands of lenders, providing rapid comparisons tailored to your unique financial needs and profile.
The Loan Limits Comparison Table for 2025 in West-Bay-Shore county of Suffolk, NY details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification criteria like income, reserves, and credit scores.
| 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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