For 2026, in Kinnelon county of Morris, NJ, the FHA loan limits are as follows: $1,089,300 for a single-family home, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
Conversely, the maximum loan amount for conventional loans on a single-family residence is $1,089,300. For two-unit residences, it is $1,394,775; for tri-units, $1,685,850; and for four units, it is $2,095,200.
Our FHA calculator helps you discover today’s most competitive FHA rates and identify the required downpayment, income, credit score, reserves, and documents necessary to qualify for a loan.
The Lendersa® calculator assists in comparing FHA loan rates and terms with those of other programs. Consider and compare options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® draws detailed loan program information from thousands of lenders and efficiently translates this data to fit your unique financial situation and needs.
The Loan Limits Comparison Table for 2026 in Kinnelon county of Morris, NJ, provides an overview of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess the qualification requirements, including 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 | $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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