As of 2026, the FHA loan limit in Bradley-Gardens county, which is part of Somerset, NJ, is set at $822,375 for a single-family home. For properties featuring 2 units, the limit is $1,053,000; for 3 units, it rises to $1,272,750; and for 4 units, the ceiling is $1,581,750.
For conventional loans, the maximum allowable amount for a single-family residence is $822,375. If considering homes with 2-units, it is $1,053,000, for 3-units it's $1,272,750, and for 4-units it extends to $1,581,750.
Utilize our FHA calculator to unlock today’s most competitive FHA rates and to identify the downpayment, income level, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator provides a powerful tool to compare FHA rates and terms with other loan program options. Delve into comparing FHA against programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently draws loan program data from thousands of different lenders, aligning the information with your specific financial profile and requirements in seconds.
The Loan Limits Comparison Table for 2026 in Bradley-Gardens county, Somerset, NJ, enables comparison of maximal loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review requirements like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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