For 2026, the FHA loan limits in Mountainside County of Union, NJ are set at $1,089,300 for a single-family home. For two-unit dwellings, the limit is $1,394,775, it is $1,685,850 for three-unit homes, and $2,095,200 for properties with four units.
The highest amount for conventional loans on a single-family residence is $1,089,300. For two units, it's capped at $1,394,775, for three units at $1,685,850, and for four units at $2,095,200.
Utilize our FHA calculator to access today's leading FHA rates and determine the necessary downpayment, income, credit, reserves, and documents needed to qualify.
Through the Lendersa® calculator, you can assess and compare FHA rates and terms with those of other loan programs. Evaluate options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans in contrast to FHA options.
Lendersa® compiles detailed loan data from thousands of lenders, providing rapid comparisons tailored to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Mountainside County, Union, NJ, enables comparisons of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification details like income, reserves, and credit, employ 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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