In the year 2026, FHA loan limits in Garfield, nestled within Bergen county of NJ, are established at $1,089,300 for a single-family dwelling, $1,394,775 for two-unit properties, $1,685,850 for three-unit buildings, and $2,095,200 for four-unit complexes.
Concerning conventional loans, the top permissible loan amount for a single-family home is $1,089,300. For residences with two units, it's pegged at $1,394,775, for three-unit homes the maximum amounts are $1,685,850, and for four-unit residences, it’s set at $2,095,200.
Explore our FHA calculator to dig up today's most competitive FHA rates and establish necessary criteria including down payment, income requirements, credit thresholds, reserves, as well as the documentation required for qualification.
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The Lendersa® calculator is designed to allow a side-by-side comparison of FHA rates and conditions with those of other loan programs. Delve into a wide array of options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans when evaluating FHA alternatives.
Lendersa® compiles extensive loan program data from thousands of lenders, enabling swift comparisons tailored to your specific financial scenarios and preferences.
Consult the Loan Limits Comparison Table for 2026 in the locale of Garfield, Bergen, NJ. This resource helps you evaluate maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Use Lendersa®'s Super Loan Integrated Qualifier (SLIQ™) for a deeper review of requirements such as income, financial reserves, and credit criteria.
| 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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