In 2026, the FHA loan limit within Montauk, Suffolk county, NY, is set at $1,089,300 for a single-family home. For properties with two units, the limit is $1,394,775, for three units, it's $1,685,850, and for four units, it reaches $2,095,200.
The maximum allowed for conventional loans on a single-family residence is $1,089,300. For a two-unit home, it is $1,394,775, for three units, $1,685,850, and for four units, $2,095,200.
Utilize our FHA calculator to check today’s top FHA rates and understand the necessary downpayment, income, credit, reserves, and documents needed for qualification.
Through the Lendersa® calculator, compare FHA rates and terms with those of other loan programs. Evaluate FHA alongside Conventional loans, Jumbo packages, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly gathers loan program data from thousands of lenders, assessing it against your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Montauk, county of Suffolk, NY, offers insights into maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further evaluate qualification criteria such as income, reserves, and credit, 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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