In 2026, the FHA loan limits in Franklin county, Somerset, NJ, are $1,089,300 for a single-family home, $1,394,775 for two-unit buildings, $1,685,850 for three-unit structures, and $2,095,200 for four-unit properties.
The maximum available conventional loan amounts on a single-family home are $1,089,300, for a two-unit residence $1,394,775, etc., reaching $2,095,200 for buildings with four units.
Use our FHA calculator to explore today’s best FHA rates and evaluate the needed downpayment, income, credit, reserves, and documentation required for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with a variety of other loan programs. Examine and contrast conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans compared with FHA.
Lendersa® collects comprehensive loan program data from numerous lenders, efficiently aligning it with your specific financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Franklin county of Somerset, NJ offers a comparison across FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification needs, including income, reserves, and credit.
| 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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