As of 2026, the FHA loan limits in Mount-Sinai, county of Suffolk, NY, are $822,375 for a single-family home, $1,053,000 for two units, $1,272,750 for three-unit buildings, and $1,581,750 for properties with four units.
The maximum amounts for conventional loans are $822,375 for single-family homes, $1,053,000 for duplexes, $1,272,750 for triplexes, and $1,581,750 for four-unit dwellings.
Leverage our FHA calculator to check today’s top FHA rates and assess the necessary downpayment, income needs, credit requirements, reserves, and documents needed for qualification.
With the Lendersa® calculator, you can compare the rates and terms of FHA loans with those of all other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® collects data from thousands of lenders, enabling rapid comparison with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Mount-Sinai, county of Suffolk, NY, provides a comparison across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements like income, reserves, and credit scores.
| 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 | $657,900 | $657,900 | $657,900 | $657,900 |
| 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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