In 2026, the FHA loan limits for Midland-Park County of Bergen, NJ are: $822,375 for single-family homes, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four-unit properties.
For conventional loans, the highest amount available for a single-family home is $822,375, while for two units it's capped at $1,053,000, for three-unit homes $1,272,750, and for four units $1,581,750.
Use our FHA calculator to check the top FHA rates today and understand the downpayment, income, credit, reserves, and documentation required for qualification.
The Lendersa® calculator aids in comparing FHA rates and terms with those from other programs. Evaluate options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® pulls data from numerous lenders, offering quick matches with your financial profile.
Review the Loan Limits Comparison Table for 2026 in Midland-Park County, Bergen, NJ, comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Assess qualification needs such as income and reserves using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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