In 2026, the FHA loan limits for Garden-City-South county in Nassau, NY, are: $822,375 for single-family homes, $1,053,000 for properties with two units, $1,272,750 for three-unit homes, and $1,581,750 for four-unit buildings.
The maximum conventional loan limit for a single-family residence is $822,375. For two-unit homes, it is $1,053,000; for residences with three units, the maximum is $1,272,750; and for those with four units, it is $1,581,750.
Utilize our FHA calculator to discover today’s best FHA rates, and to determine the required downpayment, needed income, credit evaluation, reserves, and necessary documentation for qualification.
The Lendersa® calculator provides the ability to compare FHA rates and terms against those of other loan programs. Explore and assess options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® gathers comprehensive data from thousands of lenders, enabling quick comparisons tailored to your unique financial needs and situation.
Refer to the Loan Limits Comparison Table for 2026 in Garden-City-South county of Nassau, NY, for a detailed overview of maximum loan amounts across 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™) to explore qualification criteria including income, reserves, and credit requirements.
| 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 | $0 | $0 | $0 | $0 |
| 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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