For the year 2026, the FHA loan limits in Kenilworth county of Union, NJ are established as $1,089,300 for a single-family home, $1,394,775 for two-unit residences, $1,685,850 for three-unit dwellings, and $2,095,200 for four-unit buildings.
Concerning conventional loans, the maximum amounts are $1,089,300 for a single-family residence, climbing to $1,394,775 for two-unit homes, $1,685,850 for three-units, and $2,095,200 for four-units.
Utilize our FHA calculator to explore today’s optimal FHA rates, and determine the necessary down payment, income, credit, reserves, and documentation to qualify for a loan.
With the Lendersa® calculator, you can compare the rates and terms of FHA loans with those of other programs. Evaluate options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings for a broader perspective.
Quickly sourcing data from thousands of lenders, Lendersa® matches your unique financial profile with suitable loan programs.
The Loan Limits Comparison Table for 2026 in Kenilworth county, Union, NJ gives an overview of the maximum loan amounts permissible under FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money programs. For detailed assessment of qualifications like income, reserves, and credit, leverage 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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