For 2026, in the county of Suffolk, NY, the FHA loan limit for Ridge is $1,089,300 for a single-family home, $1,394,775 for properties with 2 units, $1,685,850 for 3-unit dwellings, and $2,095,200 for 4-unit homes.
Conventional loan ceilings are set at $1,089,300 for single-family homes, $1,394,775 for two units, $1,685,850 for three-unit houses, and $2,095,200 for four-unit buildings.
Employ our FHA calculator to view today’s leading FHA rates and ascertain the required downpayment, income, credit score, reserves, and necessary documentation for qualification.
The Lendersa® calculator offers comparisons of FHA rates and terms against other loan programs. Evaluate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans next to FHA offerings.
Gathered from thousands of lenders, Lendersa® provides program data that, in seconds, aligns with your financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in the county of Suffolk, NY, encompassing Ridge, allows comparisons of loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For details on qualifications like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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