For 2026, FHA loan limits in Cranford, part of Union county, NJ, are set at $1,089,300 for single-family homes, $1,394,775 for 2-units, $1,685,850 for 3-unit buildings, and $2,095,200 for 4-units.
The maximum limit for conventional loans on a single-family residence is $1,089,300. For two-unit homes, the amount is $1,394,775, for three-unit properties it's $1,685,850, and for four-unit households, it's $2,095,200.
Leverage our FHA calculator to discover today’s optimal FHA rates and ascertain vital requirements like downpayment, income, credit, reserves, and documentation necessary for qualification.
The Lendersa® calculator allows you to contrast FHA rates and terms with those from other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Dive into these options along with FHA offerings.
Accessing data from thousands of lenders, Lendersa® provides instant comparisons, tailored to your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cranford, Union, NJ, allows you to assess top loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification needs, 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 | $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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