In 2026, the FHA loan limits for Oradell county of Bergen, NJ are $1,089,300 for single-family homes, $1,394,775 for two-unit buildings, $1,685,850 for three-units, and $2,095,200 for four-units.
The maximum for conventional loans is $1,089,300 on single-family residences, $1,394,775 for two-units, $1,685,850 for three-units, and $2,095,200 for four-units.
Our FHA calculator helps you access today's best FHA rates and understand the necessary down payment, income, credit, reserves, and required documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Evaluate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Data from thousands of lenders is quickly aligned with your financial profile, tailored to your specific needs by Lendersa®.
For 2026, the Loan Limits Comparison Table in Oradell county of Bergen, NJ includes the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine qualification factors like income, reserves, and credit.
| 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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