For 2026, the FHA loan limits in Smithtown county of Suffolk, NY are set at $1,089,300 for a single-family home. For two-unit properties, the limit is $1,394,775, for three units, it's $1,685,850, and for those with four units, it's $2,095,200.
The maximum loan amounts allowed for conventional loans on a single-family residence are $1,089,300. For two-unit buildings, it’s $1,394,775, for three units it is $1,685,850, and for four-unit residences, the cap is $2,095,200.
Use our FHA calculator to access today's best FHA rates and figure out the required down payment, income needs, credit standards, reserves, and documentation necessary for qualification. Begin your funding journey now.
The Lendersa® calculator facilitates the comparison of FHA rates and terms against various other loan programs. Investigate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Lendersa® aggregates comprehensive loan program data from thousands of lenders, providing swift comparisons matched to your financial profile and unique needs.
In 2026, the Loan Limits Comparison Table in Smithtown county, Suffolk, NY enables comparing maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending options. Evaluate the qualification requirements such as income, reserves, and credit 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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