FHA VS Conventional loan programs in 2026 for Babylon, Suffolk County, New York

In the year 2026, the conventional loan limit in Babylon, situated in the county of Suffolk, NY, stands at $1,089,300. Meanwhile, for a single-family dwelling, the FHA limit is $1,089,300.

By using the Lendersa® Conventional loan calculator, you can compare the current rates for Conventional, FHA, vs. USDA loans and evaluate what income, credit, reserves, and documentation are necessary to qualify. This advanced mortgage calculator allows you to view Conforming Conventional, USDA, FHA, and VA loans together, aiding in determining which program in NY is most suited for your financial needs.

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2026 Loan Limits and Down Payment Requirements in Babylon, County of Suffolk, NY

Type of Loan Limit on Loan Required Down Payment
Conforming Conventional $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

These comparison figures apply to zip codes: 11798

FHA and Conventional Lending Choices in Babylon, NY

The aim of Lendersa® is to swiftly and effortlessly secure you the ideal Conventional, USDA, or FHA loan. You can start at one of three key points, leading to an array of matching loan programs and lenders.

Lendersa USDA loan request and matching outcomes


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