For 2026, within Bergenfield, in Bergen county, NJ, the FHA loan limits are $1,089,300 for a single-family home. Limits are set at $1,394,775 for properties with two units, $1,685,850 for three units, and $2,095,200 for structures with four units.
Maximal loan amounts for conventional loans hit $1,089,300 for single-family houses, $1,394,775 for two-unit structures, $1,685,850 for three units, and $2,095,200 for four units.
Utilize our FHA calculator to see today’s FHA best rates and evaluate downpayments, income needs, credit requirements, reserves, and documents needed for qualification.
The Lendersa® calculator allows comparison of FHA rate and terms with various loan program options. Review and contrast options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money against FHA.
Lendersa® draws data from thousands of lenders, offering quick comparisons suited to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Bergenfield, Bergen, NJ helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. For meeting income, reserves, and credit qualifications, utilize 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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