In the year 2026, the FHA loan limit for Shelter-Island county within Suffolk, NY is $822,375 for a single-family home, $1,053,000 for properties with two units, $1,272,750 for those with three units, and $1,581,750 for structures containing four units.
For conventional loans, the highest amount you can obtain for a single-family residence is $822,375, moving up to $1,053,000 for residences with two units, $1,272,750 for three-unit buildings, and $1,581,750 for places with four units.
Take advantage of our FHA calculator to access today’s top FHA rates and to figure out the necessary down payment, income, credit criteria, reserves, and documents required for qualification.
The Lendersa® calculator is crafted to allow you to contrast FHA rates and terms with those of every other loan program. Engage in a thorough exploration and comparison of Conventional loans, Jumbo loans, VA, USDA, Non-QM loans, and hard money loans against FHA.
Lendersa® aggregates comprehensive loan program data from a vast network of lenders and, in an instant, cross-references it with your distinct financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Shelter-Island county within Suffolk, NY provides a benchmark to measure maximum loan amounts of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM (Reverse Mortgage), and hard money loans. To scrutinize requirement criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for optimal 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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