In 2025, the FHA loan limit in Scotch-Plains, Union county, NJ, is $822,375 for a single-family home, $1,053,000 for a duplex, $1,272,750 for a triplex, and $1,581,750 for a four-unit building.
The maximum loan available for conventional loans on a single-family property is $822,375, $1,053,000 for two-units, $1,272,750 for three-units, and $1,581,750 for four-units.
Use our FHA calculator to see today’s best FHA rates and figure out necessary requirements like downpayment, income, credit, reserves, and documents needed for qualification.
Lendersa® calculator allows you to compare FHA rates and terms with those from other loan programs. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources data from thousands of lenders, quickly providing comparisons matching your individual financial profile and needs.
The Loan Limits Comparison Table for 2025 in Scotch-Plains, Union, NJ lets you assess FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate income, reserves, and credit requirements.
| 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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