For 2026, the FHA loan limits in Hillsborough county of Somerset, NJ are established at $1,089,300 for a single-family dwelling, $1,394,775 for a 2-unit property, $1,685,850 for 3-units, and $2,095,200 for buildings with 4 units.
When it comes to conventional loans, the maximum available for a single-family residence is $1,089,300, increasing to $1,394,775 for 2-units, $1,685,850 for 3-units, and tops out at $2,095,200 for properties housing 4 units.
Make use of our FHA calculator to view today’s top FHA rates and assess the needed downpayment, income levels, credit ratings, reserves, and necessary documentation for qualification.
The Lendersa® calculator facilitates a detailed comparison between FHA rates and terms and those from many other loan products. These include conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, offering a wide spectrum to compare against FHA.
Lendersa® aggregates comprehensive loan program details from thousands of lenders, enabling it to swiftly match them with your distinct financial needs and profile, delivering fast and personalized comparisons.
The Loan Limits Comparison Table for 2026 in Hillsborough county of Somerset, NJ contrasts maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification requisites like income, reserves, and credit score, try out 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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