For 2026, the FHA loan limit in Suffolk county of Wading-River, NY is defined as $822,375 for a single-family home. It is $1,053,000 for two-unit homes, $1,272,750 for three-unit residences, and $1,581,750 for properties with four units.
The maximum amount permissible for conventional loans on a single-family residence is $822,375. This extends to $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for homes with four units.
Our FHA calculator can help you explore today’s top FHA rates and assess the required downpayment, income, credit, reserves, and necessary documents to qualify.
The Lendersa® calculator is designed to compare the rates and terms of FHA loans with those of all other programs available. Analyze various options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Lendersa® efficiently gathers comprehensive loan data from thousands of lenders and swiftly aligns it with your financial profile for tailored recommendations.
The Loan Limits Comparison Table for 2026 in Wading-River, Suffolk, NY offers a detailed comparison of the maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification needs such as income, reserves, and credit criteria, 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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