For 2026, the FHA loan limits in the county of Nassau, Long-Beach, NY stand at $822,375 for a single-family home, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
The conventional loan maximum for a single-family house is $822,375, and for two-unit homes, it rises to $1,053,000. For three units, the cap is $1,272,750, and for four-unit homes, it reaches $1,581,750.
Our FHA calculator can help you discover today's leading FHA rates while assessing the downpayment, income, credit, reserves, and documentation needed for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms to those of other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® efficiently aggregates loan data from thousands of lenders and quickly matches it to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Long-Beach, county of Nassau, NY, provides a comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To evaluate qualification factors such as income, reserves, and credit, use Lendersa®'s 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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