For 2026, the FHA loan limits in Cold-Spring-Harbor county of Suffolk, NY are $822,375 for a single-family home, $1,053,000 for two-unit properties, $1,272,750 for three units, and $1,581,750 for four units.
The maximum for conventional loans reaches $822,375 for single-family homes, $1,053,000 for duplexes, $1,272,750 for triplexes, and $1,581,750 for four-unit residences.
Use our FHA calculator to check out today’s FHA rates and to determine necessary downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator lets you assesses FHA rates and terms alongside various other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By gathering data from thousands of lenders, Lendersa® allows for rapid comparison with your specific financial situation and needs.
View the Loan Limits Comparison Table for 2026 in Cold-Spring-Harbor county of Suffolk, NY, covering maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed qualification evaluation like income, reserves, and credit, use 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 |
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