In the year 2025, the FHA loan limit in New-Milford county, which is part of Bergen, NJ, is set at $822,375 for a single-family home. For properties with 2-units, the limit is $1,053,000; for 3-unit homes, it stands at $1,272,750; and for 4-units, it's $1,581,750.
The maximum loan amount for conventional loans on a single-family residence is $822,375. If you're looking at 2-units, it's $1,053,000, for 3-units, it's $1,272,750, and for 4-units, it's $1,581,750.
Utilize our FHA calculator to review today’s optimal FHA rates and to determine the necessary downpayment, income, credit score, reserves, and documents required for qualification.
The Lendersa® calculator facilitates comparisons of FHA rates and terms with those of other loan programs. Consider options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles data from thousands of lenders and swiftly matches it to your unique financial circumstances and requirements.
The Loan Limits Comparison Table for 2025 available in New-Milford county, Bergen, NJ, helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Determine qualification criteria such as income, reserves, and credit via 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 | $0 | $0 | $0 | $0 |
| 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 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
