As of 2026, the FHA loan limits in Patchogue county of Suffolk, NY are defined as $1,089,300 for a single-family home, $1,394,775 for a two-unit property, $1,685,850 for three units, and $2,095,200 for properties with four units.
The maximum loans for conventional mortgages cover $1,089,300 for single-family homes, $1,394,775 for two-unit houses, $1,685,850 for homes with three units, and $2,095,200 for those with four units.
Use our FHA calculator to discover today's leading FHA rates, determining the necessary downpayment, income, credit profile, reserves, and documentation needed for eligibility.
The Lendersa® calculator allows a comparison of FHA rates and terms against other loan programs. Investigate options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Amassing data from thousands of lenders, Lendersa® quickly aligns these options with your specific financial profile and needs.
Access the Loan Limits Comparison Table for 2026 in Patchogue county of Suffolk, NY, comparing limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loans. Utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate requirements such as income, reserves, and credit standings.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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