In 2026, within the county of Hackensack located in Bergen, NJ, the FHA loan limit is established at $1,089,300 for a single-family home. For properties containing two units, the limit is $1,394,775, rising to $1,685,850 for those with three units, and finally, $2,095,200 for four-unit residences.
Regarding conventional loans, the cap for a single-family house amounts to $1,089,300. This maximum increases to $1,394,775 for two-unit homes, $1,685,850 for three-unit properties, and reaches $2,095,200 for buildings with four units.
Use our FHA calculator to explore today’s leading FHA rates. It assists in determining necessary downpayment, income, credit score, reserves, and documents required for loan qualification.
With the help of the Lendersa® calculator, compare the rates and terms of FHA loans with those of other loan programs. Examine and contrast FHA options with Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money alternatives.
Lendersa® swiftly gathers and analyzes loan data from thousands of lenders to tailor comparisons to your financial profile and needs within seconds.
The Loan Limits Comparison Table for 2026 in Hackensack, Bergen, NJ, provides insights on maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification criteria such as income, reserves, and credit using 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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