In 2026, the FHA loan limits set for Singac county in Passaic, NJ, are $1,089,300 for a single-family home, $1,394,775 for properties with 2 units, $1,685,850 for those with 3 units, and $2,095,200 for homes with 4 units.
For conventional loans, the maximum amount for a single-family residence is $1,089,300. For homes with 2 units, it is $1,394,775; for 3-unit homes, it's $1,685,850; and for 4-unit residences, the limit is $2,095,200.
To find today’s most competitive FHA rates, use our FHA calculator and determine the downpayment, income, credit score, reserves, and documents you need to qualify.
The Lendersa® calculator allows for comparison of FHA rates and terms alongside those of other loan programs. Dive into the details of Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans compared to FHA.
Lendersa® collects comprehensive loan data from a multitude of lenders, quickly analyzing it against your specific financial circumstances and requirements.
The Loan Limits Comparison Table for 2026 in Singac within Passaic, NJ, provides a comprehensive look at FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To compare eligibility criteria like income, reserves, and credit aspects, utilize 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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