In 2025, the FHA loan limits for Millburn in Essex county, NJ, are: $1,089,300 for a single-family home, $1,394,775 for 2-unit homes, $1,685,850 for 3-units, and $2,095,200 for 4-units.
The highest loan amount allowed for conventional loans on a single-family residence is $1,089,300, for two-unit properties it's $1,394,775, for three units $1,685,850, and for four-unit properties $2,095,200.
Utilize our FHA calculator to check today's best FHA rates and to determine the required downpayment, income, credit score, reserves, and documents needed for eligibility.
The Lendersa® calculator enables you to compare FHA rates and terms with those of other loan programs. Explore and discuss options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans relative to FHA.
Lendersa® compiles data from thousands of lenders and delivers quick analyses that align with your unique financial situation and needs.
Use the Loan Limits Comparison Table for 2025 in Millburn, Essex, NJ to compare maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For additional details like income, reserves, and credit requirements, utilize 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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