In the year 2026, the FHA loan limits within Andover, located in the county of Sussex, NJ, are as follows: for a single-family home, the limit is $1,089,300. If the property contains two units, the permissible limit increases to $1,394,775. For three-unit homes, you can access up to $1,685,850, and for properties with four units, the limit extends to $2,095,200.
When it comes to conventional loans, the maximum amount you can secure for a single-family residence is $1,089,300. For residences with two units, the limit grows to $1,394,775. Those with three units are eligible for up to $1,685,850, and for four-unit buildings, the maximum loan cap is set at $2,095,200.
We invite you to use our FHA calculator to explore today’s most competitive FHA rates. This tool will help you determine the required downpayment, assess income needs, evaluate credit standings, calculate necessary reserves, and identify all the pertinent documents required to qualify successfully.
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The Lendersa® calculator is designed to provide a comprehensive comparison of FHA rates and terms in relation to other loan programs. Venture into assessments that include Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
By compiling loan program data from a vast number of lenders, Lendersa® efficiently aligns this information with your unique financial profile, enabling rapid comparisons that cater to your individual needs and preferences.
Our Loan Limits Comparison Table for 2026 in Andover county of Sussex, NJ, makes it possible to juxtapose the maximum loan amounts available for a variety of financing options. This includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an extensive comparison of qualification criteria like income, financial reserves, and credit considerations, rely on the detailed capabilities of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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