In 2026, the FHA loan limit for New-Providence county in Union, NJ is $822,375 for a single-family home, $1,053,000 for 2-unit properties, $1,272,750 for 3-units, and $1,581,750 for 4-units.
For conventional loans, the maximum amount is $822,375 for single-family homes, $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
Use our FHA calculator to see today’s FHA best rates and find out the required downpayment, income, credit score, reserves, and documents needed for qualification.
With the Lendersa® calculator, compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly collects data from thousands of lenders, matching it with your specific financial profile and needs.
For 2026, the Loan Limits Comparison Table for New-Providence county, Union, NJ, provides comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® SLIQ™ for reviewing qualifications like income, reserves, and credit.
| 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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