In 2026, the FHA loan limits for Harding county in Morris, NJ are $1,089,300 for a single-family home. Two-unit homes have a cap of $1,394,775, three-unit residences can borrow up to $1,685,850, and four-unit buildings are limited to $2,095,200.
The maximum for conventional loans on a single-family property is $1,089,300. For two units, it's $1,394,775, for three units the ceiling is $1,685,850, and for four units, it is $2,095,200.
Use our FHA calculator to discover today’s best FHA rates and find out what downpayment, income, credit score, reserves, and documents you need to qualify.
The Lendersa® calculator offers comparisons of FHA rates and terms against other loan program options. You can explore and assess Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Lendersa® accesses loan program data from thousands of lenders, providing quick comparisons tailored to your unique financial needs and profile.
The Loan Limits Comparison Table for 2026 in Harding within Morris, NJ, details FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. For qualification criteria like income, reserves, and credit, utilize 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 | $776,600 | $776,600 | $776,600 | $776,600 |
| 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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