During 2026, the limit for FHA loans in Northvale, located within Bergen county, NJ, stands at $1,089,300 for single-family homes, $1,394,775 for duplexes, $1,685,850 for triplex properties, and $2,095,200 for four-unit buildings.
The highest possible loan for conventional loans on single-family residences reaches $1,089,300. For properties with two, three, and four units, the maximums are $1,394,775, $1,685,850, and $2,095,200, respectively.
Employ our FHA calculator to discover today’s most advantageous FHA rates, along with determining necessary downpayments, income brackets, credit scores, reserves, and all the documents needed to qualify.
The Lendersa® calculator aids in aligning FHA rate & terms with other loan programs. Delve into options like Conventional loans, Jumbo loans, VA loans, USDA, Non-QM, and hard money loans, assessing each alongside FHA loans.
By gathering extensive data from numerous lenders, Lendersa® rapidly compares it to your specific financial profile, ensuring an ideal match for your needs.
Refer to the Loan Limits Comparison Table for 2026 in Northvale, Bergen, NJ, which compares the upper thresholds for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate criteria such as income, reserves, and credit requirements, make use of Lendersa®’s sophisticated Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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