For 2026, in Southold within Suffolk county, NY, the limit on Conventional loans is $1,089,300, whereas the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® Conventional loan calculator to assess today's prime rates between Conventional, FHA, and USDA loans, determining income, credit, reserves, and document requirements for qualification. Our advanced mortgage calculator places Conforming Conventional loans beside USDA, FHA, and VA options, aiding you in selecting the most appropriate program in NY for your financial situation.
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| Type of Loan | Maximum Loan | Downpayment Needed |
| Conventional Conforming | $1,089,300 | 3% |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
This comparative table is applicable to the following zip codes: 11939
The ambition at Lendersa® is to swiftly connect you with the best available loan packages—Conventional, USDA, or FHA—without any complications. Choose one of three starting routes, each designed to link you with suitable lenders and loan programs.
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