In 2026, the FHA loan limits in West-Islip county of Suffolk, NY are: $822,375 for a single-family home, $1,053,000 for two-unit homes, $1,272,750 for three units, and $1,581,750 for four units.
The maximum loan amount for conventional loans on a single-family residence is $822,375. For two-unit properties, it is $1,053,000; for three units, $1,272,750; and for four units, it is $1,581,750.
Use our FHA calculator to find today’s top FHA rates and understand the downpayment, income, credit, reserves, and documents necessary for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans. Thoroughly investigate and compare these options.
Lendersa® swiftly collects extensive loan data from thousands of lenders, matching it effectively with your financial profile and necessities.
For 2026, the Loan Limits Comparison Table in West-Islip county of Suffolk, NY, highlights maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. To evaluate qualification needs like 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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