In 2026, the FHA loan limits in North-Bay-Shore county, Suffolk, NY, are set at $822,375 for a single-family home. For two-unit properties, it is $1,053,000, $1,272,750 for three units, and $1,581,750 for four units.
For conventional loans, the maximum on a single-family residence is $822,375, rising to $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
Use our FHA calculator to learn today’s top FHA rates and determine the necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms with those of various other loans, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans. Investigate and compare these alternatives to find the best fit.
Lendersa® rapidly aggregates data from thousands of lenders to match it efficiently to your distinct financial profile and needs.
The Loan Limits Comparison Table for 2026 in North-Bay-Shore county of Suffolk, NY outlines maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. To evaluate income, reserves, and credit qualifications, utilize 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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