In 2026, FHA loan limits in Plainfield county of Union, NJ are $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.
The cap for conventional loans on a single-family home is $1,089,300, with $1,394,775 for a duplex, $1,685,850 for a triplex, and $2,095,200 for four units.
Use our FHA calculator to access today’s best FHA rates and figure out the necessary downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator helps you compare FHA rates and terms with other loan programs, including conventional, jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly matches data from thousands of lenders to your unique financial profile.
Review the Loan Limits Comparison Table for 2026 in Plainfield county of Union, NJ to compare FHA, conventional, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loan amounts. Use the Lendersa® SLIQ™ for checking requirements 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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