For 2026, the FHA loan limits in East-Farmingdale county, part of Suffolk, NY are laid out as follows: $822,375 for a single-family home, $1,053,000 for properties with two units, $1,272,750 for three-unit structures, and $1,581,750 for four-unit dwellings.
The conventional loan ceiling for a single-family residence is $822,375. For a dual-unit property, it is $1,053,000, for three-unit homes, it becomes $1,272,750, and for four-unit properties, the maximum is $1,581,750.
Take advantage of our FHA calculator to discover today’s most favorable FHA rates, and determine necessary qualifications relating to downpayment, income, credit, reserves, and required documents for approval.
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The Lendersa® calculator assists in comparing FHA rates and terms with those from other loan programs. It allows you to explore options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® efficiently pulls data from a multitude of lenders, enabling a swift comparison against your distinctive financial situation and needs.
The Loan Limits Comparison Table for 2026 in East-Farmingdale county of Suffolk, NY, presents a comprehensive comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For in-depth evaluations of qualification criteria such as 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 |
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