In 2026, FHA loan limits for Laurel-Lake county in Cumberland, NJ are $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
The maximum loan amounts for conventional loans in single-family homes are $548,250. For two-unit residences, the ceiling is $702,000, for three units it's $848,500, and for four units, it's $1,054,500.
Use our FHA calculator to discover today’s most competitive FHA rates and determine the necessary downpayment, income, credit requirements, reserves, and documents to qualify.
The Lendersa® calculator enables comparisons of FHA rates and terms against those from other loan programs. Explore and assess options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® gathers loan data from thousands of lenders, providing swift comparisons aligned with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Laurel-Lake county, Cumberland, NJ, illustrates maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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