In 2025, FHA loan limits in Saddle-River county of Bergen, NJ are set as follows: $822,375 for a single-family home, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
The maximum allowable amounts for conventional loans on a single-family residence are $822,375. For homes with two units, it is $1,053,000; for three units, the cap is $1,272,750; and for four units, it reaches $1,581,750.
Utilize our FHA calculator to uncover today’s leading FHA rates and understand the needed downpayment, income benchmarks, credit score requirements, reserves, and necessary documents to qualify.
The Lendersa® calculator allows comparison of FHA rates and terms with those of other loan programs. Engage in evaluating options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA offerings.
Lendersa® aggregates data from thousands of lenders, quickly tailoring comparisons against your personal financial needs and profile.
The Loan Limits Comparison Table for 2025 in Saddle-River county of Bergen, NJ, presents maximum limits 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 assess qualification requirements such as income, reserves, and credit criteria.
| 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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