For 2026, the FHA loan limits set for Belleville county of Essex, NJ are $1,089,300 for a single-family home, $1,394,775 for residences with two units, $1,685,850 for three-unit homes, and $2,095,200 for those with four units.
The upper limit for conventional loans on a single-family property is $1,089,300, increasing to $1,394,775 for two-unit structures, $1,685,850 for three-unit buildings, and reaching $2,095,200 for properties with four units.
Check our FHA calculator to find today’s top FHA rates and to assess the required downpayment, income criteria, credit status, reserves, and documentation necessary for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with various other loan programs. This tool helps you explore options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, all in conjunction with FHA programs.
Lendersa® gathers comprehensive loan data from thousands of lenders and, in seconds, aligns it with your unique financial profile and requirements, providing a swift comparison tailored to your needs.
The Loan Limits Comparison Table for 2026 in Belleville county of Essex, NJ presents maximum borrowing amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending products. To evaluate qualification standards, such as income, reserves, and credit, employ 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 | $0 | $0 | $0 | $0 |
| 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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