In 2026, the FHA loan limit for a single-family home in Islip-Terrace within Suffolk, NY, is set at $822,375. If the property includes 2-units, the limit extends to $1,053,000, for 3-units it is $1,272,750, and for 4-units, it becomes $1,581,750.
Concurrently, the highest loan amounts available for conventional loans on single-family homes are $822,375. For properties with 2-units, the limit increases to $1,053,000; for 3-units it rises to $1,272,750, and for 4-units, the maximum is $1,581,750.
Utilize our FHA calculator to find the most competitive FHA rates today and determine the necessary downpayment, income, credit score requirements, reserves, and any documents needed to qualify for a loan.
The Lendersa® calculator is a tool that lets you compare FHA rates and terms with all other loan programs available. You can explore and contrast Conventional loans, Jumbo loans, VA loans, USDA programs, Non-QM mortgages, and hard money loans against FHA loans.
Lendersa® accesses comprehensive loan program data from thousands of lenders, instantly comparing this information aligned with your unique financial profile and particular needs.
The Loan Limits Comparison Table for 2026 in Islip-Terrace within Suffolk, NY, serves to compare the highest loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To also evaluate qualification criteria such as income levels, reserves, and credit requirements, make use of 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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