In the year 2026, the FHA loan limits for East-Shoreham, located in Suffolk county of NY, are $822,375 for a single-family home, $1,053,000 for two-unit homes, $1,272,750 for three-unit residences, and $1,581,750 for properties with four units.
The maximum available amounts for conventional loans on a single-family home are set at $822,375. For two-unit homes, the limitation is $1,053,000, for three-unit residences it is $1,272,750, and for four-unit homes, it reaches $1,581,750.
Utilize our FHA calculator to access today’s optimal FHA rates and ascertain the required downpayment, needed income, credit score, reserves, along with the documents essential for qualification.
The Lendersa® calculator is designed to help you compare FHA rates and terms with those of other loan programs. You are invited to explore and assess options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Leveraging data gathered from thousands of lenders, Lendersa® provides quick comparisons tailored to your unique financial profile.
Consult the Loan Limits Comparison Table for 2026 in East-Shoreham, Suffolk, NY, which offers a comparative view of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For comprehensive analysis of qualification prerequisites like income, reserves, and credit, employ 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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