In 2026, the FHA loan limits in Ridgewood, located in Bergen county, NJ, are set at $1,089,300 for single-family homes, $1,394,775 for two-unit residences, $1,685,850 for three-unit properties, and $2,095,200 for those with four units.
The maximum allowable loan amount for conventional loans on a single-family residence is $1,089,300. For two-units, the cap is $1,394,775, for three units, it is $1,685,850, and for four-unit homes, the limit is $2,095,200.
Use our FHA calculator to see today’s most competitive FHA rates and identify required elements like downpayment, income, credit rating, reserves, and the necessary documents to qualify.
The Lendersa® calculator facilitates the comparison of FHA rate and terms with an array of other loan programs. Evaluate choices like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® pulls loan program data from thousands of lenders, providing fast comparisons tailored to your financial profile and needs.
Refer to the Loan Limits Comparison Table for 2026 in Ridgewood, within Bergen, NJ, to compare top loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review qualifications 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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