In 2025, 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.
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Loan Limits Comparison Table for 2025 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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