For 2026, in Sayville within Suffolk, NY, the FHA loan limits are: $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.
In contrast, conventional loans cap at $1,089,300 for a single-family house, with limits extending to $1,394,775 for duplexes, $1,685,850 for three-unit homes, and $2,095,200 for four-unit residences.
Try our FHA calculator to discover today's best FHA rates and help estimate the downpayment and requirements on income, credit, reserves, and paperwork needed to qualify.
With the Lendersa® calculator, you can compare FHA rates and terms with those of alternative loan programs. Examine a variety of options, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA.
Lendersa® rapidly collects loan information from numerous lenders, aligning it with your distinct financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Sayville, part of Suffolk, NY, provides a comparison of maximum amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed eligibility checks involving income, reserves, and credit, try using 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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