In 2026, the FHA loan limit for Copiague county of Suffolk, NY stands at $1,089,300 for a single-family home. It is $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four-unit properties.
The maximum amount for conventional loans on a single-family residence is $1,089,300, with $1,394,775 for homes with two units, $1,685,850 for three units, and $2,095,200 for four units.
Utilize our FHA calculator to explore today’s best FHA rates and determine the required downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those from other loan programs. This includes Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans. Thoroughly explore and compare these options.
Lendersa® captures data from thousands of lenders, aligning it swiftly with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Copiague county of Suffolk, NY outlines maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To assess qualification requirements like income, reserves, and credit, utilize 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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