In the year 2026, the FHA loan limit for Garwood county within Union, NJ is established at $1,089,300 for a single-family home. For two units, the limit is $1,394,775; three units can borrow up to $1,685,850, and four units have a cap of $2,095,200.
The maximum allowable loan amount for conventional loans is $1,089,300 for a single-family residence. For properties with two units, the limit is $1,394,775; for ones with three units, it's $1,685,850, and for four-unit buildings, it's $2,095,200.
Utilize our FHA calculator to uncover today’s top FHA rates and determine necessary details such as downpayment, income, credit score, reserves, and required documents for qualification.
The Lendersa® calculator allows you to evaluate FHA rates along with terms from various other loan programs. You can explore and compare options including Conventional loans, Jumbo, VA, USDA, Non-QM, as well as hard money loans, in conjunction with FHA offers.
Lendersa® accesses extensive loan program data from numerous lenders, providing instant comparisons tailored to your personal financial circumstances and needs.
The Loan Limits Comparison Table for 2026 within Garwood county of Union, NJ enables comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To assess qualification needs related to income, reserves, and credit, try 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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