In 2026, the FHA loan limit in Moriches, county of Suffolk, NY, is set at $1,089,300 for a single-family home. For two-unit properties, the limit is $1,394,775, for three-unit dwellings it stands at $1,685,850, and for four-unit buildings, the maximum is $2,095,200.
Regarding conventional loans, the highest amount available for a single-family residence is $1,089,300. For properties with two units, it is $1,394,775, for three units, the cap is $1,685,850, and for four units, it reaches $2,095,200.
Leverage our FHA calculator to find the best FHA rates today and determine the necessary downpayment, income requirements, credit needs, reserves, and documents needed to qualify.
With the Lendersa® calculator, evaluate FHA rates & terms alongside other loan programs. It allows you to explore Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, compared with FHA options.
Lendersa® aggregates loan program data from a vast network of thousands of lenders, comparing it swiftly against your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Moriches, county of Suffolk, NY, provides comparisons for maximum loan amounts across various programs. These include FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an in-depth look at qualification requirements such as income, reserves, and credit, employ 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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