In 2026, the FHA loan limits for Elizabeth county in Union, NJ include $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-unit structures.
The upper limit for conventional loans on a single-family home is $1,089,300. For two units, it's $1,394,775, for three units, it's $1,685,850, and for four units, it's set at $2,095,200.
Utilize our FHA calculator to discover today’s top FHA rates and determine the necessary downpayment, income, credit, reserves, and documentation to qualify.
The Lendersa® calculator helps you compare FHA rates and terms against other loan programs such as conventional, jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects data from thousands of lenders, quickly matching it to your unique financial profile and needs.
For 2026, use the Loan Limits Comparison Table in Elizabeth county of Union, NJ to review FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money maximum loan amounts. Assess qualification requirements like income, reserves, and credit with 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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