FHA VS Conventional loan programs in 2026 for Maplewood, Essex County, New Jersey

In 2026, the conventional loan limit in Maplewood, county of Essex, NJ, is $1,089,300. Meanwhile, for a single-family home, the FHA limit is set at $1,089,300.

The Lendersa® Conventional loan calculator is designed to compare the best rates available today among Conventional, FHA, and USDA loans. Evaluate necessary income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA options, assisting you in selecting the most suitable program in NJ for your financial needs.

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2026 Loan Limits and Downpayment Requirements in Maplewood, Essex County, NJ

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $0 0%
FHA $1,089,300 3.5%

This table applies to the zip codes: 7040

Explore Conventional and FHA Loan Options in Maplewood, NJ

The goal at Lendersa® is to ensure you secure the best Conventional, USDA, or FHA loan quickly and without hassle. Choose from three starting points to connect with matching lenders and personalized loan programs tailored to your needs.

Lendersa USDA loan request and matching results


  • Ability Mortgage
  • 580 N. Wilma Ave, Suite D, Ripon, CA, 95366
  • We’re a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending… from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the loan-with great rates, terms and costs-to meet your unique needs.

  • Mayer & Clifton Partners
  • 920 20th Street, Suite 125, Sacramento, CA, 95811
  • It has been the goal of our company from inception to be the borrower’s advocate and we pride ourselves on personally guiding each and every transaction through the debt or equity placement process from beginning to end. In doing so we provide our clients with outstanding service.

  • Orbit Home Loans
  • 1913 Capitol Avenue, Suite D, Sacramento, CA, 95811
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Allequities Funding
  • 3811 Florin Road, Suite 3, Sacramento, CA, 95823
  • This is a new and innovative home ownership program that allows qualified home buyers to buy homes with 1% down payment. You may have owned a home before and are presently renting, or maybe you are a first time home buyer and need a way to break into the housing market but are holding back.

  • Bay Equity LLC
  • 1812 K St., Sacramento, CA, 95811
  • Bay Equity is a full-service retail mortgage lender. Founded in the heart of San Francisco’s financial district in 2007, the company recently moved to new corporate headquarters in Corte Madera, CA. Bay Equity Home Loans is currently licensed in 40 states and is expanding across the nation with retail branches in 27 states.

  • Sacramento Credit Union
  • PO Box 2351, Sacramento, CA, 95812
  • Sacramento Credit Union (SCU) is member-owned, meaning each member has a say in how we conduct business. As a not-for-profit institution, we prioritize members' goals and provide modern products and conveniences that help you manage and grow your money, all delivered with personalized, attentive service.

  • Valley Mortgage Company
  • 1445 Butte House Road, Suite I, Yuba City, CA, 95993
  • Virtual Mortgage Company is premier residential mortgage lender. We pride ourselves on offering some of the lowest rates and making the loan process fast, simple and straight forward for borrowers seeking an inexpensive mortgage in California. Whether you are a first time buyer, purchasing your dream property,

  • Elevate Mortgage
  • 717 K Street, Suite 510, Sacramento, CA, 95814
  • Elevate mortgage is a diverse, experienced team of mortgage professionals who are client focused and bring results. With access to over 100 different lenders, we can provide you the best financing available. Over 75% of our business comes from past clients and referral partners who are confident in our abilities.

  • Eric Teply Mortgage Advisor
  • 1231 I Street, Suite 203, Sacramento, CA, 95814
  • Purchasing a home can be one of the largest decisions one will ever make. Home purchasing is not only about a home loan, but also about how the loan integrates itself within your other financial responsibilities and goals. I have worked in the mortgage business for over a decade.

  • PMI
  • 520 Capitol Mall, Suite 780, Sacramento, CA, 95814
  • Professional Mortgage Associates (PMA) is a California Mortgage Corporation licensed by the California Department of Real Estate and endorsed by the NMLS as a Mortgage Loan Originator. PMA's corporate administrative staff have a combined history of over 60 years in the mortgage and real estate industry.