In 2026, the FHA loan limit for Central-Islip county within Suffolk, NY is $822,375 for single-family homes, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
The cap on conventional loans for a single-family residence is $822,375, with $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
Explore our FHA calculator to find today's best FHA rates and essential details on downpayment, income, credit, and reserves needed for qualification.
Using Lendersa® calculator, compare FHA rates and terms with those of other loans, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money.
Lendersa® rapidly gathers loan data from thousands of sources and aligns it with your financial scenario.
The Loan Limits Comparison Table for 2026 in Central-Islip county, Suffolk, NY, displays maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages, and Hard Money loans. To evaluate criteria like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 |
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
