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2023 NEW YORK CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| ALBANY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ALLEGANY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BRONX COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| BROOME COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CATTARAUGUS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CAYUGA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CHAUTAUQUA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CHEMUNG COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CHENANGO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CLINTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| COLUMBIA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CORTLAND COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| DELAWARE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| DUTCHESS COUNTY | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| ERIE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ESSEX COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| FRANKLIN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| FULTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GENESEE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GREENE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HAMILTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HERKIMER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| JEFFERSON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| KINGS COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| LEWIS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LIVINGSTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MADISON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MONROE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MONTGOMERY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| NASSAU COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| NEW YORK COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| NIAGARA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ONEIDA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ONONDAGA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ONTARIO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ORANGE COUNTY | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| ORLEANS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| OSWEGO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| OTSEGO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| PUTNAM COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| QUEENS COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| RENSSELAER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| RICHMOND COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| ROCKLAND COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| ST. LAWRENCE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SARATOGA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SCHENECTADY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SCHOHARIE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SCHUYLER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SENECA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| STEUBEN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SUFFOLK COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SULLIVAN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TIOGA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TOMPKINS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ULSTER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WARREN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WASHINGTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WAYNE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WESTCHESTER COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| WYOMING COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| YATES COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
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SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES IN AND AROUND SOUTHAMPTON
Neighborhoods
Captains Neck Lane, Stony Brook, Cold Spring Harbor, Dix Hills, Lloyd Harbor, Port Jefferson, Huntington Bay, Village of the Branch, Commack, Greenlawn, Halesite, Wheatley Heights, Northport, Brightwaters, Nissequogue & West Hills.
Zip Codes
11954, 11701, 11704, 11706, 11717, 11720, 11722, 11725, 11726, 11727, 11729, 11731, 11733, 11738, 14741, 11757, 11772, 11779 & 11901
Counties
Suffolk County, Nassau County, Queens County, Kings County, Richmond County, New York County, Bronx County, Westchester County, Rockland County, Orange County, Putnam County, Dutchess County, Ulster County, Sullivan County & Columbia County.