In 2026, the FHA loan limits for Princeton in the county of Mercer, NJ are set at $472,030 for single-family homes, $604,400 for duplex properties, $730,525 for triplexes, and $907,900 for four-unit buildings.
Regarding conventional loans, the maximum allowable amounts are $726,200 for a single-family residence, $929,850 for two-unit houses, $1,123,900 for three-unit dwellings, and $1,396,800 for four-unit properties.
Utilize our FHA calculator to access today’s best rates and determine the necessary down payment, income requirements, credit scores, reserves, and documentation to qualify.
The Lendersa® calculator allows you to compare FHA rate and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Dive into these comparisons with FHA loans.
Pulling data from thousands of lenders, Lendersa® swiftly matches it to your personal financial situation and needs.
The Loan Limits Comparison Table for 2026 in Princeton, the county of Mercer, NJ, shows comparisons for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To compare qualification prerequisites such as income, reserves, and credit, employ Lendersa®'s 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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