As of 2025, the FHA loan limits in North-Arlington county, which is in Bergen, NJ, are defined as follows: $822,375 for a single-family home, $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
The cap for conventional loan amounts on single-family homes is $822,375. For properties with 2-units, it's $1,053,000; for 3-units, the maximum is $1,272,750, and for 4-units, it's $1,581,750.
Use our FHA calculator to find today's best FHA rates, and to ascertain the required downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator facilitates comparison between FHA rates and terms and all other available loan programs. Explore options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® gathers data from thousands of lenders, providing quick comparisons to fit your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in North-Arlington county, Bergen, NJ compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification needs like income, reserves, and credit, use the 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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