In 2026, the FHA loan limits set for Concordia county of Middlesex, NJ are $1,089,300 for a single-family home. Properties with two units have a limit of $1,394,775, while those with three units reach $1,685,850, and four-unit residences are capped at $2,095,200.
For conventional loans, the maximum amount for a single-family home is $1,089,300. Two-unit homes have a ceiling of $1,394,775, three-unit houses max out at $1,685,850, and four units are limited to $2,095,200.
Utilize our FHA calculator to learn today’s best FHA rates and figure out the necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator facilitates comparisons of FHA rates and terms with those offered by other loan programs. Delve into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® collects extensive loan data from thousands of lenders, quickly tailoring it to fit your financial profile and personal needs for a comprehensive evaluation.
The Loan Limits Comparison Table for 2026 in Concordia county, Middlesex, NJ, offers insights into maximum amounts available through FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Evaluate qualification necessities such as income, reserves, and credit using 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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