In 2026, FHA loan limits in Irvington county of Essex, NJ are $1,089,300 for a single-family home, $1,394,775 for two-unit properties, $1,685,850 for three-unit buildings, and $2,095,200 for four-unit dwellings.
The highest permissible amounts for conventional loans on single-family residences are $1,089,300 and increase to $1,394,775 for duplexes, $1,685,850 for triplexes, and culminate at $2,095,200 for structures with four units.
Utilize our FHA calculator to access today’s best FHA rates, determining necessary downpayments, income, credit, reserves, and documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against those of other loan programs. Investigate your options with conventional, jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® sources data from thousands of lenders, rapidly comparing it to your personal financial profile and needs for the best match.
The Loan Limits Comparison Table for 2026 in Irvington county of Essex, NJ provides insight into FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loan quantities. Employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to analyze qualification requirements such as income, reserves, and credit.
| 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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