In the year 2025, the FHA loan limits set for Ramsey county within Bergen, NJ are: $1,089,300 for single-family homes, $1,394,775 for properties with 2-units, $1,685,850 for 3-unit residences, and $2,095,200 for those containing 4-units.
For conventional loans, the maximum amount for a single-family residence is capped at $1,089,300, while it increases to $1,394,775 for 2-units, $1,685,850 for homes with 3-units, and $2,095,200 for those with 4-units.
Use our FHA calculator to access today's top FHA rates and calculate the required downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator allows the comparison of FHA rates and terms to those of other loan programs. Examine offerings such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® gathers data from thousands of lenders, quickly assessing it against your individual financial profile and needs.
The Loan Limits Comparison Table for 2025 in Ramsey county of Bergen, NJ provides an overview of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To evaluate qualification criteria like income, reserves, and credit, use 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 | $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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