As of 2026, the limit for Conventional loans in Jersey-City, located in the county of Hudson, NJ, is $970,800. For a single-family home, the FHA loan limit stands at $970,800.
The Lendersa® Conventional loan calculator can be used to compare today's top Conventional, FHA, and USDA rates. It also helps you understand the required income, credit, reserves, and documents needed to qualify. Our advanced calculator lays out Conforming Conventional, USDA, FHA, and VA loans side by side, simplifying the decision for which program is optimal for your financial situation in NJ.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $970,800 | 3% |
| USDA | $0 | 0% |
| FHA | $970,800 | 3.5% |
This comparison table is relevant for the following zip codes: 07310, 07311, 07302, 07307, 07306, 07305, 07304, 07097, 07303, 07308, 07395, 07399
The Lendersa® mission is to facilitate obtaining the best possible Conventional, USDA, or FHA loan quickly and with ease. Begin your journey with one of three options, each leading to matched lenders and loan programs.
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