In 2026, the FHA loan limit in Maplewood, part of Essex county, NJ, is $1,089,300 for a single-family home. For two units, the limit is $1,394,775, for three units it’s $1,685,850, and for properties with four units, it’s $2,095,200.
The maximum amount available for conventional loans on single-family residences is $1,089,300. For two-unit buildings, the cap is $1,394,775, for those with three-units, $1,685,850, and for four-unit structures, it's $2,095,200.
Employ our FHA calculator to uncover today’s leading FHA rates and assess necessary requirements like downpayment, income, credit, reserves, and the essential documents needed to qualify.
The Lendersa® calculator lets you compare the rates and terms of FHA loans with those of all other loan programs. Examine different options including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® gathers comprehensive loan program data from thousands of lenders, allowing swift comparisons tailored to your unique financial profile and requirements.
Consult the Loan Limits Comparison Table for 2026 in Maplewood, Essex, NJ to evaluate maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For comparing qualification requirements like income, reserves, and credit, use 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 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
