FHA VS Conventional loan programs in 2026 for Belleville, Essex County, New Jersey
In the year 2026, the conventional loan limit for Belleville, located in the county of Essex, NJ, amounts to $1,089,300, whereas the limit for an FHA loan, specifically for single-family homes, is $1,089,300.
With the Lendersa® Conventional loan calculator, you can compare and contrast today’s best rates among Conventional, FHA, and USDA loans. It also guides you through the essential criteria such as income, credit score, reserves, and necessary documentation required for qualification. Utilizing our advanced mortgage calculator, you can compare the aspects of Conforming Conventional loans, USDA, FHA, and VA, to decide which program in NJ matches best with your financial condition.
Loan restrictions and downpayment guidelines in Belleville, county of Essex, NJ - 2026
Loan Category
Maximum Limit
Required Down Payment
Conventional Conforming
$1,089,300
3%
USDA
$0
0%
FHA
$1,089,300
3.5%
Note: The table's information corresponds to these zip codes: 07109
Explore Conventional and FHA loan choices in Belleville, NJ
At Lendersa®, our primary aim is to secure the optimal Conventional, USDA or FHA loans for you swiftly and without any hassle. Start by choosing among three pathways which lead to suitable lenders and loan offerings.
Dennis Viera mortgage broker, solely with the best interest of my clients in mind. With strong working relationships with over 20 lenders and a great network of realtors, I continue to find the perfect fit for my buyers while maintaining a fast and efficient process, but more importantly, keeping an absolute focus on the expectations
XCEL Federal Credit Union is federally insured, regulated, and examined annually by both the federal government and an independent CPA firm. Each member’s deposits are insured to the $250, 000 maximum allowable limit by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the U.S. government.
At Reverse Mortgage Funding LLC (RMF), we are dedicated to helping older Americans live the retirement lifestyle that they imagined and deserve, in the comfort of their own home. Reverse mortgages are our only line of business, and meeting the needs of this important segment of our society is at the core of everything we do.
At Keypoint Mortgage, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
125 Kingsland Avenue, Suite 201, Clifton, NJ, 07014
Lends in New Jersey
Waring Investments, Inc. was founded in 1991. Owners and principals, Morris and David Spector, have successfully led Waring since its inception and have over 50 years of combined experience in the hard money loan business. They have distinguished the Company as a direct lender in the commercial-private and hard money real estate market.
We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance
Schuyler Savings Bank has been serving the Kearny and surrounding NJ communities since 1924. As a true “Community Bank”, we are committed and dedicated to providing excellent service to our customers with branches both in Kearny and Harrison. Being very attentive to customer needs and offering more personalized service.
Funding Resources Mortgage Corporation on a platform of superior quality lending practices, uncompromising integrity and unprecedented client service. FRMC is a client-focused mortgage-banking firm designed to make every clients’ mortgage experience pleasant and successful. FRMC accomplishes this goal
AryMing Asset Funding, LLC (AAH) is a boutique, private real estate lending sponsorship firm founded in 2010. We purchase, finance, sell, and assign mortgages & notes. We cater to accredited, high net worth individuals who appreciate transparency and personalized service in the distress asset sector of real estate.
