In the year 2026, 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 2026 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 |
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