In 2026, the FHA loan limits for Southold county of Suffolk, NY are set at $1,089,300 for a single-family home, with $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
The maximum for conventional loans on a single-family residence is $1,089,300, increasing to $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
Use our FHA calculator to view today’s top FHA rates and understand the requirements for downpayment, income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs, like Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money. Explore these options in depth.
Lendersa® aggregates loan data from a vast network of lenders, quickly matching options to your financial profile and needs.
For 2026, the Loan Limits Comparison Table in Southold county, Suffolk, NY, presents the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualifications such as income, reserves, and credit.
| 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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