During 2026, the FHA loan limits in Port-Reading county within Middlesex, NJ are set as $822,375 for a single-family home. For two units, it's $1,053,000; three-unit properties have a limit of $1,272,750, and for four units, it is $1,581,750.
For conventional loans, the maximum is $822,375 for a single-family residence. Two-unit homes can borrow up to $1,053,000, for three units the cap is $1,272,750, and for four units, it reaches $1,581,750.
Use our FHA calculator to explore today’s top FHA rates and determine the necessary downpayment, income requirements, credit criteria, reserves, and documents needed for qualification.
The Lendersa® calculator facilitates the comparison of FHA rates and terms with those of all other loan types. You can examine and compare Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA options.
Lendersa® sources expansive loan data from thousands of lenders and rapidly aligns this against your specific financial profile and requirements for precise comparisons.
The Loan Limits Comparison Table for 2026 in Port-Reading county, Middlesex, NJ, includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To explore qualification standards like income, reserves, and credit aspects, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 | $657,900 | $657,900 | $657,900 | $657,900 |
| 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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