For 2026, the FHA loan limits applicable to Liberty county within Warren, NJ, are defined as $472,030 for single-family homes. For 2-unit properties, the limit amounts to $604,400. Regarding 3-units, it's set at $730,525, while 4-units can go up to $907,900.
As for conventional loans, the maximum permissible amount on a single-family residence stands at $726,200. For homes with two units, the cap is $929,850, for three-unit homes, it's $1,123,900, and it reaches $1,396,800 for four-unit buildings.
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The Lendersa® calculator provides a comprehensive method to contrast FHA rates and terms with those of other loan programs available, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates extensive loan program data sourced from numerous lenders, enabling instant comparison against your specific financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Liberty, situated within Warren county, NJ, allows a thorough comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan ceilings. For a detailed examination of qualification criteria, including income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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