In 2026, the FHA loan limits in West-Babylon county, Suffolk, NY, stand at $822,375 for single-family homes, $1,053,000 for two-unit properties, $1,272,750 for three-units, and $1,581,750 for four-units.
The cap for conventional loans on a single-family house is $822,375. For residences with two units, it rises to $1,053,000, for three-unit homes it is $1,272,750, and for four-unit houses, it maxes out at $1,581,750.
Utilize our FHA calculator to explore today’s optimal FHA rates and discover the necessary downpayment, income, credit score, reserves, and documents required to qualify.
The Lendersa® calculator assists in comparing the rates and terms of FHA loans with all other loan offerings. Explore and evaluate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA elements.
Lendersa® efficiently collects data from thousands of lenders, swiftly providing personalized comparisons tailored to your financial needs and profile.
Utilize the Loan Limits Comparison Table for 2026 in West-Babylon county, Suffolk, NY to examine maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To check qualification needs like income, reserves, and credit, take advantage of 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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