In 2026, the FHA loan limits applicable in Locust-Valley, situated within Nassau county in NY, are as follows: $822,375 for a single-family home, $1,053,000 for properties with two units, $1,272,750 for residential buildings with three units, and $1,581,750 for those with four units.
The maximum permissible amount for conventional loans on a single-family residence is $822,375. For buildings with two units, the ceiling is $1,053,000; for three-unit properties, it is $1,272,750; and for four-unit homes, the limit rises to $1,581,750.
To uncover today’s best FHA rates and determine your required downpayment, income verification, credit assessment, reserves, and document preparation needed for loan qualification, use our FHA calculator.
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The Lendersa® calculator is designed to offer comprehensive comparisons between FHA rates and terms and those of other varied loan programs. Dive into discussions on Conventional loans, Jumbo packages, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® efficiently retrieves loan program information from a wide array of lenders and rapidly matches it with your personalized financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Locust-Valley, located in Nassau county, NY, provides a detailed overview of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To thoroughly review qualification criteria such as income, reserves, and credit considerations, 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 | $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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