As of 2026, the FHA loan limit for Commack county, Suffolk, NY is $1,089,300 for a single-family home, with limits of $1,394,775 for two-units, $1,685,850 for three-units, and $2,095,200 for four-units.
The highest permissible loan amounts for conventional loans 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.
Utilize our FHA calculator to access today's optimal FHA rates while assessing downpayment, income, credit, reserve requirements, and necessary documentation for eligibility.
The Lendersa® calculator assists in comparing the rates and terms of FHA loans with those from other loan programs. You can explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA offerings.
Drawing data from thousands of lenders, Lendersa® provides swift comparisons tailored to your unique financial profile and requirements.
Our Loan Limits Comparison Table for 2026 in Commack county, Suffolk, NY enables a detailed comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for examining criteria like income, reserves, and credit.
| 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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