In the year 2026, the FHA loan limit is set in the county of Bridgewater, Somerset, NJ at $1,089,300 for single-family homes, increasing to $1,394,775 for two-unit residences, $1,685,850 for three units, and $2,095,200 for four units.
For conventional loans, the maximum amount is $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 units.
Feel free to use our FHA calculator to find today’s optimal FHA rates, and to calculate necessary down payments, required income, credit standards, reserves, and the documentation needed for qualification.
The Lendersa® calculator allows for a comprehensive comparison of FHA rates and terms with those of various other loan programs. Compare FHA with Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly accesses a wide array of lender data, matching it to your personal financial needs in seconds.
With the Loan Limits Comparison Table for 2026 in Bridgewater, Somerset, NJ, compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To evaluate qualification requirements such as income, reserves, and credit score, use 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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