In 2026, the FHA loan limits in Ridgefield-Park county, located in Bergen, NJ, are as follows: $822,375 for a single-family home, $1,053,000 for 2-unit homes, $1,272,750 for 3-units, and $1,581,750 for 4-units.
The maximum amount allowed for conventional loans on a single-family residence is $822,375. For 2-units, it stands at $1,053,000, for 3-units, it's $1,272,750, and for 4-units, the limit reaches $1,581,750.
Use our FHA calculator to view today’s best FHA rates and establish the required downpayment, income, credit score, reserves, and documents necessary to qualify.
With the Lendersa® calculator, compare FHA rates and terms to those from other loan programs. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA rates.
Lendersa® efficiently compiles data from thousands of lenders, aligning it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Ridgefield-Park county of Bergen, NJ displays maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria such as income, reserves, and credit, leverage 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 | $0 | $0 | $0 | $0 |
| 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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