In 2026, the FHA loan limits in Jefferson, within Morris county of NJ, are $1,089,300 for a single-family home, $1,394,775 for 2-unit properties, $1,685,850 for 3-units, and $2,095,200 for 4-units.
The conventional loan maximum for a single-family home is $1,089,300. For 2-unit residences, the limit is $1,394,775, for 3-units it is $1,685,850, and for 4-units, it's $2,095,200.
Utilize our FHA calculator for today’s FHA rates, and to find out necessary down payment, income, credit, reserves, and qualification documents.
The Lendersa® calculator helps you compare FHA rates & terms with other loan programs. Explore options among Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans compared with FHA.
Lendersa® collects data from thousands of lenders, quickly comparing it with your unique financial needs.
The Loan Limits Comparison Table for 2026 in Jefferson, Morris, NJ lets you compare limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification aspects like income or credit, use 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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