In the year 2026, the FHA loan limits in Blue-Point county of Suffolk, NY are set at $822,375 for a single-family home. For a two-unit property, the limit is $1,053,000. Three-unit residences can expect a cap of $1,272,750, and for those with four units, the limit is $1,581,750.
Conventional loans have their own limits: $822,375 for single-family homes, escalating to $1,053,000 for duplexes, $1,272,750 for triplexes, and $1,581,750 for four-unit properties.
To discover current FHA rates, use our FHA calculator, which also helps determine the necessary downpayment, income, credit score, reserves, and documentation needed to qualify.
The Lendersa® calculator facilitates comparison of FHA rates and terms with those from other loan programs. You can investigate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® quickly aggregates data from a vast number of lenders, allowing immediate comparison against your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Blue-Point county of Suffolk, NY provides an assessment of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate requirement standards such as income, reserves, and credit score.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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