In the year 2026, within Monroe county of Middlesex, NJ, the FHA loan limit is set at $1,089,300 for single-family homes, $1,394,775 for two-unit residences, $1,685,850 for three units, and $2,095,200 for properties with four units.
For conventional loans, the cap is $1,089,300 for a single-family dwelling, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for properties with four units.
Leverage our FHA calculator to discover today’s top FHA rates and determine the required downpayment, income, credit score, reserves, and necessary documentation to qualify for a loan.
Lendersa® calculator lets you assess FHA rate and terms against those of other loan programs. Dive into comparisons amongst Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
With Lendersa®, access comprehensive loan program data from a vast range of lenders, and obtain a comparison tailored to your financial profile quickly.
The Loan Limits Comparison Table for 2026 in Monroe county of Middlesex, NJ, facilitates the comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Assess qualification conditions like income, reserves, and credit using 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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