In 2026, the FHA loan limits within Colonia, found in Middlesex county of NJ, are $1,089,300 for a single-family home, $1,394,775 for 2-units, $1,685,850 for 3-units, and $2,095,200 for 4-units.
As for conventional loans, the highest loan amounts allowed are $1,089,300 for single-family homes, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four-unit properties.
Use our comprehensive FHA calculator to check current FHA rates, and determine necessary down payments, income, credit standards, reserves, and documents required for qualification.
The Lendersa® calculator allows you to match up FHA rates and terms with those of other available loan programs. You can dive into various options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® compiles extensive loan program data from a vast array of lenders and provides rapid comparisons customized to your financial profile and specific requirements.
The Loan Limits Comparison Table for 2026 in Colonia, Middlesex, NJ enables a detailed evaluation of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a deeper analysis of qualification standards like income, reserves, and credit score, 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 | $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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