In 2026, within Bernards, Somerset county in NJ, the FHA loan limits are $1,089,300 for single-family homes, $1,394,775 for two-unit residences, $1,685,850 for three-unit properties, and $2,095,200 for four-unit buildings.
For conventional loans, the cap is $1,089,300 on a single-family house, $1,394,775 for two-units, $1,685,850 for three-units, and $2,095,200 for residences with four units.
Utilize our FHA calculator to explore today’s ideal FHA rates and discover required elements like downpayment, income, credit, reserves, and documentation needed for qualification.
The Lendersa® calculator lets you assess FHA rate and terms alongside other loan programs. Investigate and evaluate options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® aggregates extensive loan program data from thousands of lenders, providing rapid comparisons suited to your personal financial profile and needs.
Use the Loan Limits Comparison Table for 2026 in Bernards, in Somerset, NJ, to evaluate maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualifications like 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 | $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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