As of 2026, the FHA loan limits in Franklin-Center county of Somerset, NJ are $822,375 for single-family homes, $1,053,000 for duplexes, $1,272,750 for triplexes, and $1,581,750 for four-unit buildings.
For conventional loans, the maximum borrowing amounts are $822,375 for single-family residences, $1,053,000 for two-unit properties, $1,272,750 for three units, and $1,581,750 for properties with four units.
Check today’s best FHA rates using our calculator and find out the essential requirements, including down payment, income, credit score, reserves, and documents needed for eligibility.
Lendersa® provides a calculator for comparing FHA terms and rates with those of other loan programs. It allows you to explore options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans side by side with FHA.
Lendersa® aggregates loan information from numerous lenders, delivering fast comparisons based on your unique financial situation and needs.
Our table for 2026 in Franklin-Center county of Somerset, NJ presents maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Compare qualification necessities like income, reserve levels, and credit using the 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 | $657,900 | $657,900 | $657,900 | $657,900 |
| 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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