In the year 2026, the FHA loan limit for a single-family home in Dumont county, which is part of Bergen, NJ, is set at $1,089,300. For properties with two units, the limit is $1,394,775, while for three units, it is $1,685,850. For four-unit residences, the limit reaches $2,095,200.
Regarding conventional loans, the highest amount you can borrow for a single-family house is $1,089,300. If you're considering a 2-unit property, the limit is $1,394,775. For 3-unit homes, it is $1,685,850, and for 4-unit properties, the limit is $2,095,200 respectively.
To find out today's optimal FHA rates and get an estimate of the required downpayment, as well as income, credit score, reserves, and documents necessary for qualification, make use of our FHA calculator.
With the Lendersa® calculator, you can effectively compare the rates and terms of FHA loans with those of various other lending products. Delve into Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans—alongside FHA options.
Lendersa® aggregates data from thousands of lenders, swiftly evaluating it to fit your financial circumstances and specific needs.
Check out the Loan Limits Comparison Table for 2026 in Dumont county, Bergen, NJ. This table facilitates the comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification norms such as your income, asset reserves, and credit requirements, 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 | $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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