For 2026, the FHA loan limits in Ridgefield county, Bergen, NJ, are set at $1,089,300 for a single-family home. Duplexes are limited to $1,394,775, triplexes to $1,685,850, and four-unit homes cap at $2,095,200.
For conventional loans, the maximum is $1,089,300 for a single-family residence, increasing to $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four-unit properties.
Leverage our FHA calculator to identify current top FHA rates and determine the necessary downpayment, income, credit, reserves, and documentation for qualifications.
The Lendersa® calculator is designed to compare FHA rates and terms with those from other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently compiles loan program data from a multitude of lenders to align with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Ridgefield county of Bergen, NJ, offers a comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification needs such as 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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