For 2026, the FHA loan limit in Carteret of Middlesex county, NJ, is designated as $1,089,300 for a single-family home. For two-unit homes, the limit extends to $1,394,775, for those with three units, it's $1,685,850, and four-unit complexes reach $2,095,200.
The upper limit for conventional loans on a single-family home is $1,089,300. For two-unit homes, the cap is set at $1,394,775, for three-unit dwellings it reaches $1,685,850, and for four-unit properties, the maximum is $2,095,200.
Employ our FHA calculator to identify today’s prime FHA rates and define necessary parameters including downpayment, income requirements, credit, reserves, and documentation necessary for qualification.
Use the Lendersa® calculator to compare FHA rates and terms with those of other loan options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans. Engage in this comprehensive loan analysis.
Lendersa® extracts data from numerous lenders, enabling rapid comparisons that cater to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Carteret, part of Middlesex, NJ, provides a mechanism to compare maximum loan amounts across different types: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To evaluate qualification details including income, reserves, and credit, utilize 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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