In 2026, FHA loan limits in Stony-Brook-University county, Suffolk, NY, stand at $822,375 for a single-family home, increasing to $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
The maximum conventional loan amounts are $822,375 for a single-family dwelling, $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
Utilize our FHA calculator to view today's top FHA rates and determine necessary downpayment, credit, income, reserves, and required qualifying documents.
Through the Lendersa® calculator, you can compare FHA rates and terms with those of other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers data from thousands of lenders to provide swift comparisons tailored to your financial profile and unique needs.
The Loan Limits Comparison Table for 2026 in Stony-Brook-University county, Suffolk, NY, includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualifying criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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