During 2026, the FHA loan limit in River-Vale county of Bergen, NJ, stands at $822,375 for a single-family home. For properties with two units, the cap is $1,053,000; for three units, it's $1,272,750; and for buildings with four units, the limit is $1,581,750.
Conversely, the top loan amount available for conventional loans on single-family houses is $822,375. Dual-unit homes have a cap of $1,053,000, tri-unit residences can secure $1,272,750, and quad-unit properties have a maximum of $1,581,750.
Use our FHA calculator to access today's competitive FHA rates and understand all necessary requirements like the downpayment, income, credit, reserves, and documentation needed to qualify.
The Lendersa® calculator allows you to easily compare FHA loan rates and terms with those of other financing options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This assists in making informed decisions.
Lendersa® aggregates comprehensive loan program data from a vast pool of lenders, efficiently evaluating this information against your personal financial profile and requirements.
The Loan Limits Comparison Table for the year 2026 in River-Vale county of Bergen, NJ, provides a detailed overview of maximum loan amounts across various lending products, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare detailed qualification requirements such as income, reserves, and credit metrics.
| 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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