FHA VS Conventional loan programs in 2026 for Brookhaven, Suffolk County, New York
For the year 2026, in Brookhaven located in Suffolk county within NY, the cap for Conventional loans for a single-family residence is set at $1,089,300. Similarly, the FHA loan ceiling is $1,089,300.
To effectively compare the top Conventional, FHA, and USDA rates today, use Lendersa®'s Conventional loan calculator. This tool assesses what income, credit score, reserves, and documentation you might need for qualification. Equipped with our cutting-edge mortgage calculator, you can examine side-by-side Conforming Conventional loans, along with USDA, FHA, and VA loans, to choose the ideal program suited to your financial needs in NY.
Details on 2026 Loan Limits and Down Payment Needs in Brookhaven, Suffolk county, NY
Loan Type
Loan Limit
Down payment
Conventional Conforming
$1,089,300
3%
USDA
$776,600
0%
FHA
$1,089,300
3.5%
This data pertains to the following ZIP codes: 11764
Loan Choices: Conventional and FHA in Brookhaven, NY
Lendersa® is committed to efficiently securing for you the most favorable Conventional, USDA, or FHA loan, avoiding unnecessary complexities. You can initiate your journey through three different pathways, each leading to tailored matches with lenders and loan schemes.
Buying a home is an exciting time for you and your family. For such an important financial milestone in your life, shouldn’t the process be as stress free as possible? That’s why we’re here to help you as a lender, we have the opportunity to serve the bigger family, the people around you: your family, your neighbors, your friends.
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BH Loans, LLC. We are a full service mortgage company based in Houston, TX. We specialize in Investment loans in Houston. We also serve the surrounding cities in Harris County. Whether you are buying a home or refinancing and we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
