In 2026, the FHA loan limit for Islandia county in Suffolk, NY stands at $1,089,300 for a single-family home. For homes comprising 2-units, it rises to $1,394,775; for 3-unit buildings, it is $1,685,850; and for 4-unit properties, the limit reaches $2,095,200.
The maximum allowable loan for conventional loans on a single-family residence is $1,089,300. This extends to $1,394,775 for a duplex, $1,685,850 for triplexes, and $2,095,200 for homes with 4-units.
Utilize our FHA calculator to view today's leading FHA rates and to understand the necessary downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of various other loan programs. Dive into options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans along with FHA propositions.
Lendersa® sources extensive loan program data from thousands of lenders and matches it promptly against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Islandia county of Suffolk, NY provides insights into comparing FHA with Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM), as well as hard money maximum loan amounts. To evaluate qualification prerequisites like income, reserves, and credit parameters, employ 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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