For 2026, the FHA loan limits in Commercial within Cumberland county, NJ, are set at $472,030 for a single-family dwelling, $604,400 for a duplex, $730,525 for triplexes, and $907,900 for four-unit properties.
When it comes to conventional loans, the limit for a single-family house is $726,200. For two-unit, three-unit, and four-unit properties, the limits are $929,850, $1,123,900, and $1,396,800, respectively.
To view today’s best FHA rates, along with calculating down payments, income requirements, credit, reserves, and necessary documents, use our FHA calculator.
The Lendersa® calculator lets you contrast FHA rates and terms with other loan products, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from numerous lenders, swiftly comparing it to your financial profile and needs.
Refer to the Loan Limits Comparison Table for 2026 in Commercial, Cumberland, NJ to examine max loan values across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification comparisons on income, reserves, and credit, utilize Lendersa®'s Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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