For the year 2026, in Franklin-Lakes county, within Bergen, NJ, FHA loan limits are set at $822,375 for single-family homes, $1,053,000 for duplexes, $1,272,750 for triplexes, and $1,581,750 for fourplexes.
Conventional loan limits meanwhile are capped at $822,375 for a single-family dwelling, $1,053,000 for dual units, $1,272,750 for three units, and $1,581,750 for four units.
Utilize our FHA calculator to discover the best current FHA rates and understand the necessary down payment, income, credit, reserves, and documentation for qualification.
With the Lendersa® calculator, you can compare FHA loan rates and terms with other programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources program data from numerous lenders and swiftly evaluates it based on your specific financial profile and needs.
For 2026 in Franklin-Lakes county, Bergen, NJ, the Loan Limits Comparison Table offers a comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements involving income, reserves, and credit.
| 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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