FHA Loan Limits and USDA Eligibility in Suffolk County, New York
2026 FHA one-unit limit in Suffolk County is $1,249,125. Two-unit is $1,599,375, three-unit is $1,933,200, and four-unit is $2,402,625. USDA 502 Guaranteed 1–4 person moderate income is $184,150. ZIP centers in the table below are marked likely eligible or likely not eligible for USDA. Official eligibility is still the property address.
2026 FHA Loan Limits Map for New York
FHA Eligibility Requirements
You need to meet all six. Loan limits in Suffolk County are set by county. DTI is a lender call. An FHA lender confirms the official answer.
3.5% down payment
Minimum is 3.5% (580+ score) or 10% (500–579). FHA allows the full amount to come from a gift: family, employer, labor union, or an approved program. A signed gift letter is required.
Credit score 580+ for 3.5% down
580+ qualifies for 3.5% down. 500–579 generally requires 10% down. Lenders often set their own floor above the FHA minimum.
Debt-to-income within FHA guidelines
Guidelines target a housing ratio around 31% and total DTI around 43%. Automated underwriting can approve stronger files above those thresholds. Manual underwriting uses tighter caps.
Check DTI on the affordability calculatorPrimary residence only
The home must be your main residence, not a second home or investment property. You must move in within the timeline FHA and your contract require.
1–4 unit home that meets FHA standards
One-to-four unit homes, FHA approved condos, and some manufactured homes that meet FHA rules. For 2–4 units you must live in one unit. The home must pass an FHA appraisal.
Loan amount at or below the county limit
2026 one-unit limits start at $541,287 in most counties and go up to $1,249,125 in high-cost areas. 2–4 unit limits are higher. Enter a ZIP to see every FHA county on that ZIP.
See 2026 FHA loan limitsUSDA Property Eligibility and Income Limits Map for New York
USDA Eligibility Requirements
You need to meet all six. Property location and income in Suffolk County vary by area. A USDA approved lender confirms the official answer.
Property in a USDA eligible area
The home must be in a USDA designated rural or suburban area. Over 97% of U.S. land qualifies, including many suburbs near major cities. Use the eligibility map to check any address.
Check your area on the mapHousehold income at or below the area limit
USDA caps household income at 115% of the area median, with a national floor of $122,800 for 1–4 person households. Every adult in the home counts, not just borrowers. Deductions for dependents and childcare can help.
Check income limits for your ZIPPrimary residence only
The home must be your full-time primary residence. Investment properties and second homes are not eligible. You must intend to occupy the home within 60 days of closing.
Single-family property (1 unit)
USDA Guaranteed loans cover single-unit homes only. Duplexes and multi-unit properties do not qualify, even with owner occupancy. Condos and manufactured homes are eligible under specific conditions. For house-hacking a 2–4 unit property, FHA and VA are the right tools. USDA is not.
U.S. citizenship or qualified alien status
You must be a U.S. citizen, U.S. non-citizen national, or qualified alien. Permanent residents with a green card generally qualify. Your lender will verify documentation.
Credit score 640+ typical
USDA does not set a hard credit floor, but most lenders require 640+ for streamlined approval. Some lenders go lower with compensating factors. Your full credit profile (payment history, DTI, reserves) matters as much as the score.
Suffolk County FHA Limits, USDA Income, and ZIP Eligibility
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. USDA property is a first look from each ZIP’s geographic center versus USDA ineligible-area boundaries — the official test is the address. City is the USPS primary city for that ZIP; a city is not USDA eligible or ineligible as a whole.
Cities in Suffolk County: Amagansett, Amityville, Aquebogue, Babylon, Bay Shore, Bayport, Bellport, Blue Point, Bohemia, Brentwood, Bridgehampton, Brightwaters, Brookhaven, Calverton, Center Moriches, Centereach, Centerport, Central Islip, Cold Spring Harbor, Commack, Copiague, Coram, Cutchogue, Deer Park, East Hampton, East Islip, East Marion, East Moriches, East Northport, East Quogue, East Setauket, Eastport, Farmingdale, Farmingville, Fishers Island, Great River, Greenlawn, Greenport, Hampton Bays, Hauppauge, Holbrook, Holtsville, Huntington, Huntington Station, Islandia, Islip, Islip Terrace, Jamesport, Kings Park, Lake Grove, Laurel, Lindenhurst, Manorville, Mastic, Mastic Beach, Mattituck, Medford, Melville, Middle Island, Miller Place, Montauk, Moriches, Mount Sinai, Nesconset, New Suffolk, North Babylon, Northport, Oakdale, Ocean Beach, Orient, Patchogue, Peconic, Port Jefferson, Port Jefferson Station, Quogue, Remsenburg, Ridge, Riverhead, Rocky Point, Ronkonkoma, Sag Harbor, Sagaponack, Saint James, Sayville, Selden, Shelter Island, Shelter Island Heights, Shirley, Shoreham, Smithtown, Sound Beach, South Jamesport, Southampton, Southold, Speonk, Stony Brook, Upton, Wading River, Wainscott, Water Mill, West Babylon, West Islip, West Sayville, Westhampton, Westhampton Beach, Wyandanch, Yaphank
| ZIP | City | USDA property | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|---|---|
| 06390 | Fishers Island | Likely eligible | $1,249,125 | $184,150 |
| 11701 | Amityville | Likely not eligible | $1,249,125 | $184,150 |
| 11702 | Babylon | Likely not eligible | $1,249,125 | $184,150 |
| 11703 | North Babylon | Likely not eligible | $1,249,125 | $184,150 |
| 11704 | West Babylon | Likely not eligible | $1,249,125 | $184,150 |
| 11705 | Bayport | Likely not eligible | $1,249,125 | $184,150 |
| 11706 | Bay Shore | Likely not eligible | $1,249,125 | $184,150 |
| 11713 | Bellport | Likely not eligible | $1,249,125 | $184,150 |
| 11715 | Blue Point | Likely not eligible | $1,249,125 | $184,150 |
| 11716 | Bohemia | Likely not eligible | $1,249,125 | $184,150 |
| 11717 | Brentwood | Likely not eligible | $1,249,125 | $184,150 |
| 11718 | Brightwaters | Likely not eligible | $1,249,125 | $184,150 |
| 11719 | Brookhaven | Likely not eligible | $1,249,125 | $184,150 |
| 11720 | Centereach | Likely not eligible | $1,249,125 | $184,150 |
| 11721 | Centerport | Likely not eligible | $1,249,125 | $184,150 |
| 11722 | Central Islip | Likely not eligible | $1,249,125 | $184,150 |
| 11724 | Cold Spring Harbor | Likely not eligible | $1,249,125 | $184,150 |
| 11725 | Commack | Likely not eligible | $1,249,125 | $184,150 |
| 11726 | Copiague | Likely not eligible | $1,249,125 | $184,150 |
| 11727 | Coram | Likely not eligible | $1,249,125 | $184,150 |
| 11729 | Deer Park | Likely not eligible | $1,249,125 | $184,150 |
| 11730 | East Islip | Likely not eligible | $1,249,125 | $184,150 |
| 11731 | East Northport | Likely not eligible | $1,249,125 | $184,150 |
| 11733 | East Setauket | Likely not eligible | $1,249,125 | $184,150 |
| 11735 | Farmingdale | Likely not eligible | $1,249,125 | $184,150 |
| 11738 | Farmingville | Likely not eligible | $1,249,125 | $184,150 |
| 11739 | Great River | Likely not eligible | $1,249,125 | $184,150 |
| 11740 | Greenlawn | Likely not eligible | $1,249,125 | $184,150 |
| 11741 | Holbrook | Likely not eligible | $1,249,125 | $184,150 |
| 11742 | Holtsville | Likely not eligible | $1,249,125 | $184,150 |
| 11743 | Huntington | Likely not eligible | $1,249,125 | $184,150 |
| 11746 | Huntington Station | Likely not eligible | $1,249,125 | $184,150 |
| 11747 | Melville | Likely not eligible | $1,249,125 | $184,150 |
| 11749 | Islandia | Likely not eligible | $1,249,125 | $184,150 |
| 11751 | Islip | Likely not eligible | $1,249,125 | $184,150 |
| 11752 | Islip Terrace | Likely not eligible | $1,249,125 | $184,150 |
| 11754 | Kings Park | Likely not eligible | $1,249,125 | $184,150 |
| 11755 | Lake Grove | Likely not eligible | $1,249,125 | $184,150 |
| 11757 | Lindenhurst | Likely not eligible | $1,249,125 | $184,150 |
| 11763 | Medford | Likely not eligible | $1,249,125 | $184,150 |
| 11764 | Miller Place | Likely not eligible | $1,249,125 | $184,150 |
| 11766 | Mount Sinai | Likely not eligible | $1,249,125 | $184,150 |
| 11767 | Nesconset | Likely not eligible | $1,249,125 | $184,150 |
| 11768 | Northport | Likely not eligible | $1,249,125 | $184,150 |
| 11769 | Oakdale | Likely not eligible | $1,249,125 | $184,150 |
| 11770 | Ocean Beach | Likely not eligible | $1,249,125 | $184,150 |
| 11772 | Patchogue | Likely not eligible | $1,249,125 | $184,150 |
| 11776 | Port Jefferson Station | Likely not eligible | $1,249,125 | $184,150 |
| 11777 | Port Jefferson | Likely not eligible | $1,249,125 | $184,150 |
| 11778 | Rocky Point | Likely not eligible | $1,249,125 | $184,150 |
| 11779 | Ronkonkoma | Likely not eligible | $1,249,125 | $184,150 |
| 11780 | Saint James | Likely not eligible | $1,249,125 | $184,150 |
| 11782 | Sayville | Likely not eligible | $1,249,125 | $184,150 |
| 11784 | Selden | Likely not eligible | $1,249,125 | $184,150 |
| 11786 | Shoreham | Likely not eligible | $1,249,125 | $184,150 |
| 11787 | Smithtown | Likely not eligible | $1,249,125 | $184,150 |
| 11788 | Hauppauge | Likely not eligible | $1,249,125 | $184,150 |
| 11789 | Sound Beach | Likely not eligible | $1,249,125 | $184,150 |
| 11790 | Stony Brook | Likely not eligible | $1,249,125 | $184,150 |
| 11792 | Wading River | Likely not eligible | $1,249,125 | $184,150 |
| 11794 | Stony Brook | Likely not eligible | $1,249,125 | $184,150 |
| 11795 | West Islip | Likely not eligible | $1,249,125 | $184,150 |
| 11796 | West Sayville | Likely not eligible | $1,249,125 | $184,150 |
| 11798 | Wyandanch | Likely not eligible | $1,249,125 | $184,150 |
| 11901 | Riverhead | Likely not eligible | $1,249,125 | $184,150 |
| 11930 | Amagansett | Likely not eligible | $1,249,125 | $184,150 |
| 11931 | Aquebogue | Likely not eligible | $1,249,125 | $184,150 |
| 11932 | Bridgehampton | Likely not eligible | $1,249,125 | $184,150 |
| 11933 | Calverton | Likely not eligible | $1,249,125 | $184,150 |
| 11934 | Center Moriches | Likely not eligible | $1,249,125 | $184,150 |
| 11935 | Cutchogue | Likely eligible | $1,249,125 | $184,150 |
| 11937 | East Hampton | Likely not eligible | $1,249,125 | $184,150 |
| 11939 | East Marion | Likely eligible | $1,249,125 | $184,150 |
| 11940 | East Moriches | Likely not eligible | $1,249,125 | $184,150 |
| 11941 | Eastport | Likely not eligible | $1,249,125 | $184,150 |
| 11942 | East Quogue | Likely not eligible | $1,249,125 | $184,150 |
| 11944 | Greenport | Likely eligible | $1,249,125 | $184,150 |
| 11946 | Hampton Bays | Likely not eligible | $1,249,125 | $184,150 |
| 11947 | Jamesport | Likely not eligible | $1,249,125 | $184,150 |
| 11948 | Laurel | Likely eligible | $1,249,125 | $184,150 |
| 11949 | Manorville | Likely not eligible | $1,249,125 | $184,150 |
| 11950 | Mastic | Likely not eligible | $1,249,125 | $184,150 |
| 11951 | Mastic Beach | Likely not eligible | $1,249,125 | $184,150 |
| 11952 | Mattituck | Likely eligible | $1,249,125 | $184,150 |
| 11953 | Middle Island | Likely not eligible | $1,249,125 | $184,150 |
| 11954 | Montauk | Likely not eligible | $1,249,125 | $184,150 |
| 11955 | Moriches | Likely not eligible | $1,249,125 | $184,150 |
| 11956 | New Suffolk | Likely eligible | $1,249,125 | $184,150 |
| 11957 | Orient | Likely eligible | $1,249,125 | $184,150 |
| 11958 | Peconic | Likely eligible | $1,249,125 | $184,150 |
| 11959 | Quogue | Likely not eligible | $1,249,125 | $184,150 |
| 11960 | Remsenburg | Likely not eligible | $1,249,125 | $184,150 |
| 11961 | Ridge | Likely not eligible | $1,249,125 | $184,150 |
| 11962 | Sagaponack | Likely not eligible | $1,249,125 | $184,150 |
| 11963 | Sag Harbor | Likely not eligible | $1,249,125 | $184,150 |
| 11964 | Shelter Island | Likely eligible | $1,249,125 | $184,150 |
| 11965 | Shelter Island Heights | Likely eligible | $1,249,125 | $184,150 |
| 11967 | Shirley | Likely not eligible | $1,249,125 | $184,150 |
| 11968 | Southampton | Likely not eligible | $1,249,125 | $184,150 |
| 11970 | South Jamesport | Likely not eligible | $1,249,125 | $184,150 |
| 11971 | Southold | Likely eligible | $1,249,125 | $184,150 |
| 11972 | Speonk | Likely not eligible | $1,249,125 | $184,150 |
| 11973 | Upton | Likely not eligible | $1,249,125 | $184,150 |
| 11975 | Wainscott | Likely not eligible | $1,249,125 | $184,150 |
| 11976 | Water Mill | Likely not eligible | $1,249,125 | $184,150 |
| 11977 | Westhampton | Likely not eligible | $1,249,125 | $184,150 |
| 11978 | Westhampton Beach | Likely not eligible | $1,249,125 | $184,150 |
| 11980 | Yaphank | Likely not eligible | $1,249,125 | $184,150 |