In 2026, the FHA loan limits in Mendham county of Morris, NJ are set at $1,089,300 for a single-family home, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
For conventional loans, the highest allowable amount is $1,089,300 for a single-family dwelling, $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for four-unit residences.
Use our FHA calculator to view today’s best FHA rates and find out the required downpayment, income necessities, credit standing, reserves, and documents needed for eligibility.
The Lendersa® calculator lets you compare FHA rates and terms with those from other loan programs. Look into and contrast Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA options.
Collecting data from thousands of lenders, Lendersa® provides rapid comparisons that match your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Mendham county of Morris, NJ compares FHA with Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limitations. To compare qualification criteria like income, reserves, and credit characteristics, 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 | $776,600 | $776,600 | $776,600 | $776,600 |
| 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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