As of 2026, FHA loan limits for Bound-Brook county in Somerset, NJ, are $822,375 for single-family homes, $1,053,000 for properties with two units, $1,272,750 for three units, and $1,581,750 for four units.
The highest loan amount of conventional loans on a single-family residence is $822,375. For two-unit houses, it's $1,053,000, for three-unit homes, it is $1,272,750, and for those with four units, $1,581,750 applies.
To find today’s optimized FHA rates and calculate the necessary downpayment, income, credit, reserves, and documents required to qualify, try our FHA calculator.
Lendersa® calculator allows for easy comparison of FHA loan rates and terms with other programs. Look into, analyze, and compare Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money options.
Lendersa® compiles comprehensive loan data from a multitude of lenders and swiftly contrasts it with your financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Bound-Brook county, Somerset, NJ, covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare criteria like income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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