In 2026, FHA loan limits for Park-Ridge county in Bergen, NJ are set at $822,375 for a single-family home. For two-unit homes, it's $1,053,000; for three-unit properties, it is $1,272,750; and for four units, the maximum is $1,581,750.
For conventional loans, the cap for single-family homes is $822,375. Two-unit properties have a limit of $1,053,000; three-unit residences max out at $1,272,750; and for four-unit homes, the limit is $1,581,750.
Use our FHA calculator to discover today’s optimal FHA rates and calculate the necessary downpayment, income, credit, reserves, and documentation for loan qualification.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with other financial products. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA to make informed decisions.
Lendersa® accesses loan data from thousands of lenders, rapidly aligning this information with your financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Park-Ridge county, Bergen, NJ, provides insight into maximum loan 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 evaluate essential qualification criteria like income, reserves, and credit.
| 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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