In 2026, FHA loan limits in Clayton county, Gloucester, NJ, are set at $529,000 for a single-family home. For two-unit properties, it's $677,200, for three units, $818,600, and for four units, $1,017,300.
The conventional loan maximums on a single-family residence are $726,200. For two-unit homes, the limit is $929,850, for three units, it's $1,123,900, and for four, $1,396,800.
Use our FHA calculator to find today’s best FHA rates and understand the necessary downpayment, income, credit, reserves, and documents for qualification.
With the Lendersa® calculator, compare FHA rates and terms with those of other loan programs. Review your options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, right alongside FHA loans.
Lendersa® aggregates data from thousands of lenders and compares it in seconds with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Clayton county, Gloucester, NJ, shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $529,000 | $677,200 | $818,600 | $1,017,300 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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