In 2026, the FHA loan limits for Southampton, within Suffolk, NY, are as follows: $1,089,300 for single-family homes, $1,394,775 for two-unit homes, $1,685,850 for three-unit properties, and $2,095,200 for four-unit residences.
The ceiling on conventional loan amounts for single-family homes is $1,089,300, which rises to $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for four-unit structures.
Use our FHA calculator to discover today’s superior FHA rates, helping you ascertain necessary downpayment, income, credit reserves, and necessary documents for qualification.
The Lendersa® calculator empowers you to compare FHA rates and terms with those of other loan programs, such as conventional, jumbo, VA, USDA, non-QM, and hard money loans.
With access to data from thousands of lenders, Lendersa® provides quick and tailored comparisons based on your financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Southampton, Suffolk, NY, allows you to evaluate maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgages (HECM), and hard money loans. To assess qualifications such as income, reserves, and credit, utilize 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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