In 2026, the FHA loan limits in Montvale county of Bergen, NJ stand at $1,089,300 for single-family homes, $1,394,775 for two-unit dwellings, $1,685,850 for three-units, and $2,095,200 for four-unit residences.
For conventional loans, the ceiling for a single-family property is $1,089,300, rising to $1,394,775 for duplexes, $1,685,850 for three-unit homes, and $2,095,200 for four-unit homes.
Check our FHA calculator for today’s top FHA rates, and figure out the necessary down payment, income scale, credit score, reserves, and documentation needed to qualify.
With Lendersa® calculator, you can compare the rate and terms of FHA loans with those of other programs. Examine and contrast Conventional loans, Jumbo, VA, USDA, Non-QM, and various hard money loans with FHA options.
Lendersa® rapidly processes loan data from numerous lenders, applying it to your specific financial situation.
The Loan Limits Comparison Table for 2026 in Montvale county, Bergen, NJ includes FHA, Conventional, Jumbo, USDA, None-QM, VA, Super Jumbo, Reverse Mortgage (HECM), and hard money loan caps. To evaluate eligibility requirements like 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 | $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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