In 2025, the FHA loan limits for Chatham county within Morris, NJ, are established as follows: $1,089,300 for a single-family home, $1,394,775 for residences with two-units, $1,685,850 for homes with three-units, and $2,095,200 for four-unit properties.
For conventional loans, the maximum amount is $1,089,300 for a single-family dwelling. For 2-unit properties, it's $1,394,775. 3-unit homes can have up to $1,685,850, and for those with 4-units, the ceiling is $2,095,200.
Our FHA calculator provides you with current FHA rates and helps you outline the downpayment, income, credit, reserves, and documentation needed to qualify.
The Lendersa® calculator empowers you to compare FHA loan rates and terms with those from alternative programs. Explore various options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles detailed loan data from thousands of lenders, utilizing this wealth of information to swiftly assess your individual financial profile and needs.
The Loan Limits Comparison Table for 2025 in Chatham county of Morris, NJ, offers a clear side-by-side analysis of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification standards 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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