For 2026, the FHA loan limit in the county of Somerset, NJ, specifically in North-Plainfield, is $822,375 for single-family homes, $1,053,000 for duplexes, $1,272,750 for triplexes, and $1,581,750 for four-unit properties.
The highest allowable loan amount for conventional loans on a single-family residence is $822,375, with $1,053,000 for two-unit homes, $1,272,750 for three-unit residences, and $1,581,750 for four-unit houses.
Use our FHA calculator now to find today's best FHA rates and determine the necessary down payment, income, credit, reserves, and documents needed for qualifying.
The Lendersa® calculator allows you to contrast FHA rates & terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Pulling data from thousands of lenders, Lendersa® provides fast comparisons with your financial needs and profile.
The Loan Limits Comparison Table for 2026 in North-Plainfield, Somerset, NJ, helps you compare maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification details regarding income, reserves, and credit, use 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 | $657,900 | $657,900 | $657,900 | $657,900 |
| 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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