For 2026, the FHA loan limits in Closter county, Bergen, NJ are defined as follows: $1,089,300 for a single-family home, $1,394,775 for two-unit residences, $1,685,850 for three-units, and $2,095,200 for properties with four units.
Regarding conventional loans, the ceiling for a single-family home is $1,089,300. The limits for two-units, three-units, and four-units are $1,394,775, $1,685,850, and $2,095,200 respectively.
Utilize our FHA calculator to determine today’s best FHA rates and evaluate the required down payment, credit score, income, reserves, and documents necessary for loan qualification.
The Lendersa® calculator lets you assess FHA rates & terms in comparison to other loan programs. Discover and evaluate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® collects data from thousands of lenders, offering tailored comparisons that align with your financial profile swiftly.
The Loan Limits Comparison Table for 2026 in Closter county of Bergen, NJ contrasts FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. To explore qualification criteria involving income, reserves, and credit, use 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 | $0 | $0 | $0 | $0 |
| 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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