In 2026, the FHA loan limit for Paramus located in Bergen, NJ, is $1,089,300 for a single-family home, $1,394,775 for two-units, $1,685,850 for three-units, and $2,095,200 for four-units.
Conventional loan maximums on a single-family residence are $1,089,300; for two-unit dwellings, $1,394,775; for three-unit properties, $1,685,850; and $2,095,200 for four-units.
Use our FHA calculator to view today's best FHA rates and assess the downpayment, income requirements, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator lets you compare the rates and terms of FHA loans with those from other loan programs. Assess options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Sourced from thousands of lenders, Lendersa® provides quick comparisons tailored to your financial situation and needs.
For 2026, the Loan Limits Comparison Table in Paramus, within Bergen, NJ, shows maximum loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To evaluate qualifications like income, reserves, and credit, use 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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