For 2026, the Conventional loan limit in Montauk, located in Suffolk county, NY, is set at $1,089,300, while for a single-family home, the FHA limit is $1,089,300.
Make use of the Lendersa® Conventional loan calculator to compare today's leading rates across Conventional, FHA, and USDA loans. Find out the required income, credit score, reserves, and documents necessary for qualification. Our advanced mortgage calculator lets you place Conforming Conventional, USDA, FHA, and VA loans side by side, helping you determine the best program for your financial circumstances in NY.
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| 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 zip codes: 11954
At Lendersa®, we strive to secure the best possible Conventional, USDA, or FHA loans with speed and ease. Choose from one of three starting points that guide you to matching lenders and suitable loan programs.
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