In 2026, the FHA loan limits in Carlstadt County of Bergen, NJ are as follows: $1,089,300 for single-family homes, $1,394,775 for properties with two units, $1,685,850 for three-unit buildings, and $2,095,200 for four-unit homes.
The maximum conventional loan amount on a single-family residence is $1,089,300. For two units, it is capped at $1,394,775, for three, it's $1,685,850, and for four units, it is $2,095,200.
Use our FHA calculator to explore today’s favorable FHA rates and calculate the necessary downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator allows comparisons of FHA rates and terms with all other loan programs. Investigate and contrast Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® collects data from thousands of lenders, offering rapid assessments aligned with your financial profile.
Loan Limits Comparison Table for 2026 in Carlstadt County, Bergen, NJ presents maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To explore qualification criteria like income, reserves, and credit, 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 | $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 |
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