In 2026, within Nutley, county of Essex, NJ, the FHA loan limit is set at $1,089,300 for a single-family home. For a two-unit property, it is $1,394,775, for three-units, it reaches $1,685,850, and for a four-unit structure, it is $2,095,200.
The maximum loan amount for conventional loans on single-family residences is $1,089,300, with limits of $1,394,775 for two-units, $1,685,850 for three-units, and $2,095,200 for four-units.
Our FHA calculator reveals today’s top FHA rates and helps you determine necessary aspects such as the downpayment, income requirements, credit, reserves, and documents required to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with all other loan options. Dive into comparisons among Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® gathers extensive loan program data from thousands of lenders, providing fast and personalized comparisons tailored to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Nutley, county of Essex, NJ, enables comparison of maximum loan amounts across FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification criteria, such as income, reserves, and credit, utilize Lendersa®'s 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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