In 2026, the FHA loan limits for Englewood-Cliffs county in Bergen, NJ have been set at $822,375 for single-family homes, $1,053,000 for duplexes, $1,272,750 for triplexes, and $1,581,750 for properties with four units.
For conventional loans, the upper borrowing limit is $822,375 for a single-family residence, $1,053,000 for a two-unit building, $1,272,750 for three-unit properties, and $1,581,750 for residences with four units.
Leverage our FHA calculator to uncover today’s top FHA rates, and determine the required downpayment, income level, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA interest rates and terms alongside other loan program offerings. Consider examining Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® aggregates extensive data from thousands of lenders, delivering rapid comparisons tailored to your unique financial scenario and needs.
Check out our Loan Limits Comparison Table for 2026 in Englewood-Cliffs county of Bergen, NJ, covering the maximum limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To scrutinize qualification needs like income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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