In 2026, the FHA loans limits in Paterson county of Passaic, NJ stand at $1,089,300 for a single-family home, $1,394,775 for properties with two units, $1,685,850 for three units, and $2,095,200 for four-unit residences.
The highest amount for conventional loans on a single-family dwelling is $1,089,300, while for two units it reaches $1,394,775, $1,685,850 for three-unit homes, and $2,095,200 for homes with four units.
Utilize our FHA calculator to check today’s top FHA rates and explore necessary downpayments, income, credit, reserves, and required documents for qualification.
The Lendersa® calculator enables you to compare FHA rates and terms with those of other types of loans, exploring conventional options, jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® retrieves detailed data from thousands of lenders and rapidly aligns it with your financial profile and requirements.
For 2026, use the Loan Limits Comparison Table in Paterson county of Passaic, NJ to examine the maximum amounts available for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. For analyzing qualification criteria such as income, reserves, and credit, employ the Lendersa® 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 | $776,600 | $776,600 | $776,600 | $776,600 |
| 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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