In the year 2026, the FHA loan limit for residences situated in Brentwood county, within Suffolk, NY is set at $1,089,300 for a single-family home. If you are considering a property that has two units, the limit increases to $1,394,775. For real estate with three units, the allowable maximum is $1,685,850, and for those comprising four units, the limit rises to $2,095,200. These standards guide borrowing potential, helping you plan appropriately.
Regarding conventional loans, the specified upper limit on loans for a single-family dwelling is $1,089,300. If the property has two units, the maximum loan amount is adjusted to $1,394,775. For homes featuring three units, the limit extends to $1,685,850, while for those accommodating four units, the ceiling reaches $2,095,200. Familiarity with these figures supports informed financing decisions.
To harness the best available FHA interest rates of today, use our comprehensive FHA calculator. It is designed to assist in ascertaining necessary financial details, such as the downpayment amount, income threshold, required credit score, financial reserves, and essential documentation you need to be eligible for a loan.
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The Lendersa® calculator provides an in-depth comparison across FHA rates and terms against other comprehensive loan programs. This includes exploring differences in rates and terms among Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money loans along with FHA. This comparison empowers decision-making with detailed evaluations.
Lendersa® actively gathers loan program information from thousands of lending institutions and rapidly juxtaposes this data against your distinct financial profile and needs, offering highly personalized insights for actionable decisions.
For 2026, consult the Loan Limits Comparison Table for Brentwood, within Suffolk, NY, which delineates maximum loan thresholds among different types, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To scrutinize qualification requirements involving income, credit, and reserves, employ the advanced Lendersa® Super Loan Integrated Qualifier (SLIQ™) to refine your financial strategy effectively.
| 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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