For 2026, the FHA loan limits in Emerson county of Bergen, NJ are $1,089,300 for a single-family home, $1,394,775 for two-unit properties, $1,685,850 for three-units, and $2,095,200 for properties with four units.
The maximum values for conventional loans on single-family residences are $1,089,300, $1,394,775 for two-units, $1,685,850 for three-units, and $2,095,200 for four-units.
Use our FHA calculator to explore today’s best FHA rates and determine the downpayment, income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs. Evaluate and explore alternatives like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® swiftly gathers loan program data from many lenders, aligning it with your individual financial profile and needs.
See the Loan Limits Comparison Table for 2026 in Emerson county of Bergen, NJ, covering maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For details on qualification factors like income, reserves, and credit, 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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