In 2026, the FHA loan limits in Morristown, located in the county of Morris, NJ, are as follows: $1,089,300 for a single-family home, $1,394,775 for 2-units, $1,685,850 for 3-units, and $2,095,200 for 4-units.
Regarding conventional loans, the maximum amount for a single-family home is $1,089,300. For two-unit homes, it’s $1,394,775, for three units, it’s $1,685,850, and for four-unit properties, it reaches $2,095,200.
Utilize our FHA calculator to discover today’s optimum FHA rates and determine the necessary down payment, income, credit requirements, reserves, and documentation needed for eligibility.
The Lendersa® calculator allows you to compare FHA rates and terms alongside those of other loan programs. Explore options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans for comparison with FHA.
Lendersa® collects comprehensive loan data from thousands of lenders, offering quick comparisons tailored to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Morristown, county of Morris, NJ, lets you assess maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare requirements such as income, reserves, and credit.
| 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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