In the year 2026, the FHA loan limits for Fairfield County of Essex, NJ are set at $1,089,300 for single-family homes, $1,394,775 for two-unit properties, $1,685,850 for three-unit homes, and $2,095,200 for four-unit residences.
The cap for conventional loans on a single-family home is $1,089,300, while it is $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
Utilize our FHA calculator to explore today’s competitive FHA rates, and figure out the required downpayment, income, credit, reserves, and necessary documents to qualify.
The Lendersa® calculator lets you evaluate FHA rates and terms alongside other loan programs. Delve into and contrast Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA schemes.
Lendersa® aggregates loan program data from an extensive network of lenders, offering quick comparisons against your specific financial situation.
The Loan Limits Comparison Table for 2026 in Essex, Fairfield, NJ serves to assess FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To understand qualification criteria like income, reserves, and credit, engage 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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