In 2026, the limit for Conventional loans in Cold-Spring-Harbor, Suffolk county, NY, is set at $970,800, whereas the FHA limit for a single-family residence is $970,800.
Use the Lendersa® Conventional loan calculator to explore and compare the day's best rates among Conventional, FHA, and USDA loans. It helps assess the needed income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator allows you to see Conforming Conventional loans next to USDA, FHA, and VA options, enabling you to select the optimal program in NY for your financial needs.
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| Loan Type | Loan Limit | Down Payment | |
| Conventional Conforming | $970,800 | 3% | |
| USDA | $657,900 | 0% | |
| FHA | $970,800 | 3.5% |
This table is applicable to the zip codes: 11743
The mission of Lendersa® is to connect you with the best possible Conventional, USDA, or FHA loans efficiently, without hassle. Choose one of three ways to find matched lenders and corresponding loan programs.
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