For 2026, the FHA loan limit in Clifton county, Passaic, NJ is set at $1,089,300 for a single-family home. It is $1,394,775 for two-units, $1,685,850 for three-units, and $2,095,200 for four-units.
Conventional loan caps on a single-family home are $1,089,300, for two-units it is $1,394,775, for three-units $1,685,850, and for four-units, it is $2,095,200.
Utilize our FHA calculator to view today's best FHA rates and check the downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs, including conventional, jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers extensive loan data from thousands of lenders to match it with your financial profile quickly.
The Loan Limits Comparison Table for 2026 in Clifton county of Passaic, NJ allows you to compare FHA, conventional, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Use the Lendersa® SLIQ™ to examine qualifications like income, reserves, and credit.
| 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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