In 2026, the FHA loan limit in Caldwell county of Essex, NJ is $1,089,300 for single-family homes, $1,394,775 for 2-units, $1,685,850 for 3-units, and $2,095,200 for 4-units.
Conventional loan caps are: $1,089,300 for single-family residences, $1,394,775 for 2-units, $1,685,850 for 3-units, and $2,095,200 for 4-units.
Use our FHA calculator to find today’s FHA best rates and determine the necessary downpayment, income, credit, reserves, and documents needed for qualification.
With Lendersa® calculator, evaluate FHA rates & terms alongside different loan programs. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects loan data from thousands of lenders, matching it with your financial profile and needs swiftly.
Refer to the Loan Limits Comparison Table for 2026 in Caldwell county of Essex, NJ to compare maximum loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Assess qualification requirements such as income, reserves, and credit using 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 | $0 | $0 | $0 | $0 |
| 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 |
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
