In the year 2026, FHA loan limits in Brightwaters county of Suffolk, NY are $1,089,300 for a single-family home, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
The upper loan limits for conventional loans on a single-family home are $1,089,300, while for two units it is $1,394,775, for three units $1,685,850, and four units $2,095,200.
Use our FHA calculator to check the best FHA rates today and determine needed downpayment, income, credit, reserves, and required documents.
The Lendersa® calculator allows for comparison of FHA rates and terms with other loans, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers data from thousands of lenders to match your financial profile quickly with suitable options.
Examine the Loan Limits Comparison Table for 2026 in Brightwaters county of Suffolk, NY, to assess maximums for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For assessing qualifications like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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