In 2026, the FHA loan limits in the county of Bergen in Ho-Ho-Kus, NJ, are set at $1,089,300 for single-family homes. For properties with two units, the limit is $1,394,775, while three-unit homes have a limit of $1,685,850, and four-unit residences can reach up to $2,095,200.
The maximum loan amount allowed for conventional loans on a single-family home is $1,089,300. For two-unit properties, it’s capped at $1,394,775, three units have $1,685,850, and for four units, the limit is $2,095,200.
Utilize our FHA calculator to explore today’s prime FHA rates and determine the necessary downpayment, income qualifications, credit scores, reserves, and documentation needed to qualify.
The Lendersa® calculator gives you the ability to compare FHA rates and terms with those of other loan programs. Dive into assessing Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Drawing from thousands of lenders, Lendersa® compiles extensive loan program data, quickly comparing it to your financial profile and requirements.
In 2026, utilize the Loan Limits Comparison Table within Ho-Ho-Kus, county of Bergen, NJ, to assess FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum amounts. To explore qualification necessities like income, reserves, and credit considerations, apply 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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