For 2026, the FHA loan limits in Bohemia county of Suffolk, NY are set at $1,089,300 for a single-family home, increasing to $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
The maximum amount for conventional loans is $1,089,300 for a single-family residence, going up to $1,394,775 for 2-unit homes, $1,685,850 for 3-units, and reaching $2,095,200 for 4-units.
Use our FHA calculator for today’s top FHA rates and determine the required downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator allows FHA rates and terms comparisons with other loan programs. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® aggregates data from thousands of lenders, providing quick matches to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Bohemia, Suffolk, NY, compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess income, reserves, and credit qualifications.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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