For 2026, the FHA loan limits in Montgomery, located in Somerset county, NJ, are $1,089,300 for single-family homes, $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for four units.
Maximum conventional loan amounts are $1,089,300 for single-family residences, with $1,394,775 for two-units, $1,685,850 for three-units, and $2,095,200 for four-units.
Utilize our FHA calculator to access today’s best FHA rates and figure out necessary downpayment, income, credit, reserves, and documentation to qualify.
The Lendersa® calculator allows you to contrast FHA rates and terms with those of other loan options. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® gathers extensive data from thousands of lenders, offering quick comparisons tailored to your financial profile and requirements.
Access the Loan Limits Comparison Table for 2026 in Montgomery, Somerset, NJ to compare FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan ceilings. For qualifications like income, reserves, and credit, use Lendersa®'s 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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