For the year 2026, in Roselle located in the county of Union, NJ, the FHA loan limit is established at $1,089,300 for a single-family home. For properties with two units, the limit is $1,394,775; for those with three units, it is $1,685,850; and for four-unit homes, the maximum is set at $2,095,200.
Conventional loans have maximum allowable amounts of $1,089,300 for single-family residences. For duplexes, the limit caps at $1,394,775; for triplexes, it's $1,685,850; and for four-unit dwellings, the maximum is $2,095,200.
Our FHA calculator can help you find the most competitive FHA rates today. It also assists you in determining the necessary down payment, evaluating your income, credit, reserves, and other documentation required for eligibility.
With the Lendersa® calculator, assess FHA rates and terms compared to other available loan programs. Discover how Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans measure up against FHA options.
Lendersa® gathers comprehensive loan program data from thousands of lenders and swiftly provides a comparison tailored to your unique financial situation and needs.
The Loan Limits Comparison Table for 2026 in Roselle, part of Union county, NJ, facilitates the comparison of maximum loan amounts among 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™) for an analysis of qualification criteria such as income, credit, and reserves.
| 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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