For 2026 in Six-Mile-Run county, which is part of Somerset, NJ, the FHA loan limits stand at $822,375 for a single-family dwelling. If you are considering a 2-unit property, the limit is $1,053,000, $1,272,750 for a 3-unit, and, for 4-units, it is capped at $1,581,750.
When it comes to conventional loans, the highest amount available for a single-family residence is fixed at $822,375. For properties with 2 units, the maximum loan value is $1,053,000, going up to $1,272,750 for 3-unit properties, and topping off to $1,581,750 if you are dealing with 4-unit buildings.
Try our FHA calculator to find the best current FHA rates and to understand the necessary down payment, income qualifications, credit requirements, reserves needed, and documentation to qualify.
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The Lendersa® calculator provides a valuable tool to compare FHA loan rates and conditions against every other available lending program. Whether you're considering Conventional, Jumbo, VA, USDA, Non-QM, or hard money loans, this tool helps you explore and make direct comparisons.
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Evaluate the Loan Limits using our comprehensive Comparison Table for 2026 in Six-Mile-Run within Somerset county, NJ. This tool will help you to compare the loan boundaries of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money offerings. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to dive deep into specific qualification criteria including income, required reserves, and credit scores.
| 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 | $657,900 | $657,900 | $657,900 | $657,900 |
| 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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