In 2026, the FHA loan limits in Cranbury county of Middlesex, NJ are set as follows: $1,089,300 for a single-family home, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
The maximum conventional loan amount for a single-family residence is $1,089,300, with two-unit properties capped at $1,394,775, three-unit homes at $1,685,850, and four units at $2,095,200.
Use our FHA calculator to view today’s optimal FHA rates and determine the requirements for downpayment, income, credit, reserves, and documents necessary for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms against those from other loan programs. Analyze and appreciate Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans in comparison to FHA.
Lendersa® compiles a wealth of loan program data from thousands of lenders, rapidly comparing this against your financial profile and requirements for detailed insight.
The Loan Limits Comparison Table for 2026 in Cranbury, within Middlesex, NJ, provides clarity on FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To explore qualifications like income, reserves, and credit needs, utilize 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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