In 2025, the FHA loan limits for Yaphank county within Suffolk, NY are as follows: $1,089,300 for a single-family home, $1,394,775 for a two-unit residence, $1,685,850 for three-unit properties, and $2,095,200 for four-unit buildings.
For conventional loans on a single-family dwelling, the maximum loan amounts are set at $1,089,300, and extend to $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
Utilize our FHA calculator to access today’s best FHA rates, and assess the down payment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator aids in comparing FHA rates and terms with those of other loan programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By gathering data from numerous lenders, Lendersa® facilitates rapid comparisons against your financial profile and needs.
In 2025, the Loan Limits Comparison Table for Yaphank, Suffolk, NY features maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To scrutinize qualification requirements such as income, reserves, and credit, use 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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