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

In 2026, the conventional loan limit for Centereach, located in the county of Suffolk, NY, is set at $1,089,300, while the FHA limit for a single-family home is $1,089,300.

Utilize the Lendersa® Conventional loan calculator to compare the best available rates today for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage tool lets you view Conforming Conventional, USDA, FHA, and VA loans side by side to help choose the most suitable program in NY for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Centereach, Suffolk, NY

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

This table applies to the following zip codes: 11720

Consider Conventional and FHA Loan Options in Centereach, NY

The aim of Lendersa® is to provide swift access to the best possible Conventional, USDA, or FHA loan. Choose one of three starting points to connect with matching lenders and suitable loan programs.

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