In 2026, the FHA loan limits in City-of-Orange, Essex county, NJ are set at $822,375 for single-family homes, $1,053,000 for two-unit buildings, $1,272,750 for three-unit homes, and $1,581,750 for properties with four units.
The upper loan amount for conventional loans on a single-family home is $822,375. For two-unit residences, it's $1,053,000; for three-unit buildings, $1,272,750; and for four-unit homes, the limit is $1,581,750.
Try our FHA calculator to reveal today’s top FHA rates and identify needed down payment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms alongside other loan offerings. Discover and evaluate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans versus FHA.
Lendersa® collects data from thousands of lenders, offering instant comparisons tailored to your financial needs.
The Loan Limits Comparison Table for 2026 in City-of-Orange, Essex, NJ, shows highest loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualifying aspects like income, reserves, and credit, use 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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