In 2026, the FHA loan limits in Freeport county, Nassau, NY are defined as follows: $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.
For conventional loans, the maximum amount allowed for a single-family home is $1,089,300. For properties comprising two units, the cap is $1,394,775; it rises to $1,685,850 for three units and reaches $2,095,200 for residences with four units.
Utilize our FHA calculator to access today's most favorable FHA rates and determine the necessary downpayment, income, credit score, reserves, and documents required for qualification.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with those of other programs. Dive into a comparison of various options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® efficiently gathers loan program details from a multitude of lenders, providing you with rapid comparisons tailored to your financial scenario and needs.
In the Loan Limits Comparison Table for 2026 in Freeport county, Nassau, NY, you can examine maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualifications such as income, reserves, and credit, use 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 | $0 | $0 | $0 | $0 |
| 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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