For 2026, the FHA loan limit in Sayreville, situated in Middlesex, NJ, stands at $1,089,300 for a single-family home, with amounts escalating to $1,394,775 for properties with two units, $1,685,850 for three-unit residences, and reaching $2,095,200 for those with four units.
Conversely, the maximum amount for conventional loans on a single-family home is $1,089,300, going up to $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four-unit homes.
Utilize our FHA calculator to uncover today’s most competitive rates, and to accurately compute down payments, income requirements, credit assessments, reserves, and necessary documents for qualification.
Lendersa® provides a tool that enables comprehensive comparisons of FHA rates and terms with those of all other loan programs. Engage in evaluations of FHA options against Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles extensive loan program data from an array of lenders, offering personalized comparisons to suit your unique financial profile almost instantaneously.
The Loan Limits Comparison Table for 2026 in Sayreville county of Middlesex, NJ, showcases FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To evaluate eligibility criteria such as income, reserves, and credit, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 | $776,600 | $776,600 | $776,600 | $776,600 |
| 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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