In 2026, the FHA loan limit in East-Orange county, Essex, NJ, is $822,375 for a single-family home, $1,053,000 for two-unit residences, $1,272,750 for three units, and $1,581,750 for four-unit properties.
The maximum loan amounts for conventional loans on a single-family home reach $822,375, $1,053,000 for two-units, $1,272,750 for three units, and $1,581,750 for four-unit buildings.
Utilize our FHA calculator to find today’s most competitive FHA rates and determine necessary downpayment, income, credit, reserves, and documentation requirements for qualification.
The Lendersa® calculator helps compare FHA rates and terms with those of various loan programs, including conventional, jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® collects program data from thousands of lenders and rapidly aligns it with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in East-Orange county of Essex, NJ, illustrates maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifications such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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