The FHA loan limits for the year 2026 in the county of Suffolk, within Port-Jefferson-Station, NY, are established at $822,375 for a single-family dwelling. For duplexes, this limit is $1,053,000, for triplexes, it rises to $1,272,750, and reaches $1,581,750 for four-unit properties.
In parallel, the conventional loan limits are defined differently. For a single-family home, the cap is $822,375, while for two-unit structures, it's $1,053,000. If you are looking at three-unit residences, that limit extends to $1,272,750, culminating in $1,581,750 for four units.
To understand today’s best FHA rates and the specifics on required downpayment, income standards, credit checks, reserves, and necessary documentation for qualification, make use of our comprehensive FHA calculator.
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The Lendersa® calculator is a robust tool designed to provide comparisons of FHA loan terms against a spectrum of other lending options. Consider and contrast these options—Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans—alongside FHA.
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For 2026, in the county of Suffolk, housed in Port-Jefferson-Station, NY, the Loan Limits Comparison Table facilitates distinguishing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximum amounts. To further compare eligibility criteria such as income requirements, reserve levels, and credit assessments, utilize the innovative Lendersa® Super Loan Integrated Qualifier (SLIQ™), which empowers you with essential insights.
| 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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