For the year 2026, the FHA loan limits in North-Sea county of Suffolk, NY are set at $822,375 for single-family homes, $1,053,000 for two-unit properties, $1,272,750 for three units, and $1,581,750 for four-unit homes.
The maximum amounts for conventional loans are $822,375 for a single-family residence, rising to $1,053,000 for two-unit dwellings, $1,272,750 for three-unit structures, and $1,581,750 for properties with four units.
Our FHA calculator provides insights into today's leading FHA rates, helping you assess necessities such as downpayment, income requirements, credit score, reserves, and the documents required for qualification.
The Lendersa® calculator allows comparisons of FHA rates and terms versus those of other loan programs. Consider options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® utilizes extensive data from a multitude of lenders, aligning it swiftly with your unique financial situation to provide a precise fit.
The Loan Limits Comparison Table for 2026 in North-Sea county of Suffolk, NY outlines the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly evaluate qualification essentials, such as income, reserves, and credit criteria, use 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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