For 2026, the FHA loan limits in Laurence-Harbor County of Middlesex, NJ are set at $822,375 for single-family homes, $1,053,000 for properties with two units, $1,272,750 for three units, and $1,581,750 for four units.
Regarding conventional loans, the maximum for a single-family residence is $822,375; for two-unit dwellings, it's $1,053,000; for three units, $1,272,750; and for four-unit homes, $1,581,750.
Our FHA calculator can be used to explore today's excellent FHA rates and calculate the essential requirements, including downpayment, income, credit, reserves, and necessary documentation to qualify.
The Lendersa® calculator empowers you with the ability to compare FHA rates and terms with other available loan programs. Explore alternatives such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Drawing on data sourced from numerous lenders, Lendersa® provides swift comparisons tailored to match your unique financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Laurence-Harbor County, Middlesex, NJ lets you assess maximum loan capacities for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification aspects like income, reserves, and credit, leverage Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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