During the year 2026, in North-Amityville located in Suffolk county, NY, the FHA loan ceilings are set at $822,375 for single-family homes, $1,053,000 for residences with two units, $1,272,750 for those with three units, and $1,581,750 for four-unit buildings.
When it comes to conventional loans, the upper limit on a single-family home loan is $822,375. For properties with two units, it's $1,053,000, three-unit properties come in at $1,272,750, and four-unit properties reach up to $1,581,750.
Utilize our FHA calculator to access today’s favorable FHA rates and calculate the necessary downpayment, as well as assess income, credit, reserves, and the documentation required to meet qualification criteria.
Incorporate the Lendersa® calculator for a side-by-side comparison of FHA rates and terms against all other loan programs. You can explore various options including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans in contrast to FHA alternatives.
Lendersa® effortlessly integrates loan program data from countless lenders, offering swift comparisons tailored specifically to your personal financial profile and needs.
For this year, review the Loan Limits Comparison Table situated in North-Amityville under Suffolk county, NY, comparing the maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. If you are looking to compare qualification standards such as income, reserve levels, and credit requirements, consult the Lendersa® 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 | $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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