During 2026, the FHA loan limit in Metuchen county, located in Middlesex, NJ, is $1,089,300 for a single-family home. For 2-units, the amount is $1,394,775; for 3-units, it reaches $1,685,850; and for 4-units, it extends to $2,095,200.
The maximum conventional loan sum for a single-family residence is $1,089,300. For homes with 2-units, the limit is $1,394,775, for those with 3-units it is $1,685,850, and for 4-units, it is $2,095,200.
Access our FHA calculator to view today's finest FHA rates, and discover the necessary downpayment, income level, credit requirements, reserves, and documentation needed for approval.
The Lendersa® calculator facilitates comparisons of FHA rates and terms with other loan programs. Analyse options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA.
Lendersa® compiles data from numerous lenders and swiftly evaluates it against your particular financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Metuchen county of Middlesex, NJ allows for comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan figures. For detailed qualification criteria such as 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 | $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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