For 2026, FHA loan limits in Bernardsville county of Somerset, NJ are $1,089,300 for a single-family home, $1,394,775 for two-units, $1,685,850 for three-units, and $2,095,200 for four-unit properties.
Conventional loans on a single-family residence have maximum amounts of $1,089,300, with $1,394,775 for two-units, $1,685,850 for three-units, and $2,095,200 for four-units.
Utilize our FHA calculator to access today’s best FHA rates and evaluate the downpayment, income, credit, reserves, and documents necessary for qualification.
Lendersa® calculator allows you to compare FHA rates and terms with other loan programs. Review choices like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® rapidly collects loan data from numerous lenders and compares it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Bernardsville county of Somerset, NJ covers FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To assess qualification criteria such as income, reserves, and credit, 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 | $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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