In 2026, the FHA loan limits set for Mattituck county in Suffolk, NY are established at $1,089,300 for a single-family home, $1,394,775 for properties with two units, $1,685,850 for three-unit buildings, and $2,095,200 for residences with four units.
The maximum loan amounts for conventional loans on a single-family residence are $1,089,300. For duplexes, the limit is $1,394,775, which increases to $1,685,850 for triplexes and $2,095,200 for four-unit properties.
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The Lendersa® calculator offers a feature-rich comparison of FHA rates and terms against other loan program options. Consider options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in addition to FHA.
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The Loan Limits Comparison Table for 2026 in Mattituck county of Suffolk, NY highlights maximum loan thresholds for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a deep dive into qualification essentials, such as income, reserves, and credit requirements, utilize 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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