For 2026, the FHA loan limits in Riverhead county of Suffolk, NY, amount to $1,089,300 for single-family homes, $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for four-unit properties.
The conventional loan max for a single-family dwelling is $1,089,300. For two-unit homes, it goes to $1,394,775, $1,685,850 for three units, and $2,095,200 for four units.
To explore today's most competitive FHA rates and see required qualifications such as downpayment, income, credit, and reserves, use our FHA calculator.
The Lendersa® calculator allows for comparison of FHA rates and terms alongside other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Compiling data from a multitude of lenders, Lendersa® quickly aligns with your personal financial details to find the best matches.
For 2026, the Loan Limits Chart in Riverhead county, Suffolk, NY compares maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage, and Hard Money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess requirements such as income, reserves, and credit score.
| 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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