In 2026, FHA loan limits in Hamilton county of Mercer, NJ are as follows: $472,030 for a single-family home, $604,400 for two-units, $730,525 for three units, and $907,900 for four units.
The cap for conventional loans on a single-family home is $726,200, $929,850 for two-units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to access today’s best FHA rates and find out the downpayment, income, credit, reserves, and documents needed to qualify.
Lendersa® calculator allows comparison of FHA rates and terms with those of other loan programs, including conventional, jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects data from thousands of lenders, swiftly matching it with your financial profile.
The 2026 Loan Limits Comparison Table for Hamilton county of Mercer, NJ covers FHA, conventional, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Use Lendersa® SLIQ™ to assess qualifications like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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