For the 2026, the FHA loan limits in North-Babylon county of Suffolk, NY are structured as follows: $822,375 for a single-family home, $1,053,000 for properties with two units, $1,272,750 for three-unit buildings, and $1,581,750 for homes with four units.
As for conventional loans, the maximum amounts are $822,375 for single-family homes. For two-units, the limit is $1,053,000, for three-units $1,272,750, and for homes holding four units, it stands at $1,581,750.
Our FHA calculator can reveal the best FHA rates today, helping you determine the amount needed for the downpayment, along with assessing income, credit, reserves, and any necessary documents for qualification.
The Lendersa® calculator facilitates comparisons of FHA rates and terms with a wide array of other loan programs. Investigate options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in addition to FHA offerings.
Lendersa® compiles extensive data from numerous lenders, providing rapid analysis against your specific financial conditions and needs.
Access the Loan Limits Comparison Table for 2026 in North-Babylon, Suffolk county, NY, which compares maximum lending amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For evaluating required qualifications such as income, reserves, and credit, employ 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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