In 2026, the FHA loan limit in Edison county, located in Middlesex, NJ, is $1,089,300 for a single-family home. For two units, it is $1,394,775, while the limit for three units is $1,685,850, and for four units, it is $2,095,200.
The highest allowable amount for conventional loans on a single-family residence is $1,089,300, extending to $1,394,775 for two-unit properties, $1,685,850 for three-unit buildings, and $2,095,200 for four units.
To discover today’s best FHA rates, utilize our FHA calculator and assess necessary downpayment, income, credit, reserves, and required documents for qualification.
The Lendersa® calculator assists in comparing FHA rates and terms with those of other loan programs. Delve into conventional, jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles data from thousands of lenders, promptly evaluating it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Edison county of Middlesex, NJ serves for comparing maximum loan amounts across FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To compare qualification requirements like income, reserves, and credit, employ 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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