In 2026, the FHA loan limits in Old-Tappan within Bergen, NJ, stand at $822,375 for a single-family home. For two-unit properties, it's $1,053,000; for three units, it’s $1,272,750; and for four units, the limit reaches $1,581,750.
For conventional loans, the ceiling for a single-family residence is $822,375. Two-unit homes have a limit of $1,053,000, while three-unit properties cap at $1,272,750, and four-unit homes have a maximum of $1,581,750.
Employ our FHA calculator to determine today's optimal FHA rates, and to calculate downpayment, income, credit, reserve necessities, and document prerequisites needed for qualification.
With the Lendersa® calculator, compare the rates and terms for FHA loans alongside all other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® procures loan data from a multitude of lenders and swiftly matches it to your unique financial profile.
The 2026 Loan Limits Comparison Table for Old-Tappan in Bergen, NJ, lays out the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification standards such as income, reserves, and credit, leverage 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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