For the year 2025, the FHA loan limits in Phillipsburg county within Warren, NJ stand at $472,030 for a single-family home. The limit rises to $604,400 for homes with 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The maximum borrowing amount for conventional loans on a single-family residence is $726,200. For 2-units, the limit is $929,850; for 3-units, it's $1,123,900; and for 4-units, it is $1,396,800.
Utilize our FHA calculator to view today’s prime FHA rates, determining the necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator lets you assess FHA rates and terms vis-à-vis those offered by other loan programs. Evaluate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHAs.
Lendersa® swiftly collects data from thousands of lenders, matching it to your unique financial profile and needs in seconds.
The Loan Limits Comparison Table for 2025 in Phillipsburg county of Warren, NJ enables comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To compare qualification criteria such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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