In 2025, the FHA loan limits for Morris-Plains County of Morris, NJ are as follows: $822,375 for a single-family home, $1,053,000 for two-unit dwellings, $1,272,750 for three-unit homes, and $1,581,750 for four-unit properties.
For conventional loans, the maximum limits on a single-family residence are $822,375, with two units capped at $1,053,000, three units at $1,272,750, and four units at $1,581,750.
Use our FHA calculator for viewing today's top FHA rates and calculating the necessary downpayment, income, credit, reserves, and documents required for qualification.
With the Lendersa® calculator, you can compare FHA rate and terms with those of different loan programs. Consider options including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA terms.
Lendersa® compiles crucial loan program data from a multitude of lenders, delivering timely comparisons tailored to your unique financial circumstances.
The Loan Limits Comparison Table for 2025 in Morris-Plains County, Morris, NJ provides a comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification elements such as income, reserves, and credit, utilize 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 | $657,900 | $657,900 | $657,900 | $657,900 |
| 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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