In 2026, within Rutherford county of Bergen, NJ, the FHA loan limit is $1,089,300 for a single-family home, $1,394,775 for 2-units, $1,685,850 for 3-units, and $2,095,200 for 4-units.
Conventional loan limits on a single-family house are $1,089,300, $1,394,775 for two-unit homes, $1,685,850 for three units, and $2,095,200 for four units.
Use our FHA calculator to find today's top FHA rates and calculate necessary down payments, income, credit, reserves, and documents needed for qualification.
Compare FHA rates and terms with all other programs using the Lendersa® calculator. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly compiles data from thousands of lenders, aligning it with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Rutherford, Bergen, NJ covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Check Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review qualification requirements like 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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