In 2026, FHA loan limits in Cedar-Grove county of Essex, NJ stand at $822,375 for a single-family home, $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
The maximum conventional loan on a single-family residence is $822,375; for 2-units it is $1,053,000, for 3-units $1,272,750, and for 4-units $1,581,750.
Use our FHA calculator to see today’s best FHA rates and to determine the necessary downpayment, income, credit, reserves, and documentation required for qualification.
Lendersa® calculator helps you compare FHA rates and terms with those from other loan programs. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® collects data from thousands of lenders to quickly fit your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cedar-Grove county, Essex, NJ presents FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To compare criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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