In 2026, the FHA loan limits for Livingston, located in the county of Essex within NJ, are defined as follows: $1,089,300 for a single-family home, $1,394,775 for two-unit residences, $1,685,850 for three-unit buildings, and $2,095,200 for properties with four units.
The maximum amount for conventional loans on a single-family residence is $1,089,300; for two-unit homes, it's $1,394,775; for three-unit properties, it's $1,685,850; and for homes with four units, it rises to $2,095,200.
Leverage our FHA calculator today to explore the finest FHA rates and determine crucial elements like down payment, required income, credit, reserve requirements, and other necessary documents to qualify.
The Lendersa® calculator facilitates comparisons of FHA rates and terms against those of other loan programs. Dive deep into exploring and analyzing FHA offerings alongside Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Drawing from an extensive database collected from thousands of lenders, Lendersa® enables you to swiftly compare loan programs tailored to fit your specific financial profile and personal needs.
The Loan Limits Comparison Table for 2026 in Livingston, part of Essex, NJ, helps compare maximal loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification needs including income, reserves, and credit using 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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