In the year 2026, FHA loan limits for Randolph, part of Morris county in NJ, are determined as follows: $1,089,300 for a single-family home, $1,394,775 for properties with two units, $1,685,850 for buildings hosting three units, and $2,095,200 for structures with four units.
The maximum conventional loan amounts for single-family homes reach $1,089,300. For two-unit residences, it goes up to $1,394,775, for three-unit properties, it is $1,685,850, and four-unit buildings reach $2,095,200.
Utilize our FHA calculator to identify today's prime FHA rates and determine fundamental criteria such as down payment, income levels, credit requirements, reserves, and essential documentation required for qualification.
The Lendersa® calculator empowers you to juxtapose FHA rate & terms alongside those of all other available loan offerings. Engage in comprehensive exploration and comparison of options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, all next to FHA selections.
Utilizing data from thousands of lenders, Lendersa® quickly aligns loan comparisons to fit your precise financial needs and profiles.
The Loan Limits Comparison Table for 2026 in Randolph within Morris, NJ offers a means to compare the upper allowable loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. For a better understanding of qualification metrics such as income, reserves, and credit, apply 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 | $776,600 | $776,600 | $776,600 | $776,600 |
| 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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