In 2026, within Somerset in Somerset county, NJ, the FHA loan limits are $1,089,300 for single-family homes, $1,394,775 for two-unit buildings, $1,685,850 for three units, and $2,095,200 for properties with four units.
The maximum loan capacities for conventional loans on single-family residences are $1,089,300, increasing to $1,394,775 for two-units, $1,685,850 for three-units, and reaching $2,095,200 for four-unit properties.
To access today’s best FHA interest rates and determine necessary requirements like downpayment, income, credit scores, reserves, and essential documents, make use of our FHA calculator.
The Lendersa® calculator allows for comprehensive comparison of FHA rates and terms against all additional loan types. Delve into different possibilities by examining Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA selections.
Sourcing extensive data from innumerable lenders, Lendersa® offers rapid financial comparisons designed to align with your specific needs and profile.
The Loan Limits Comparison Table for 2026 in Somerset, within Somerset, NJ, provides a means to contrast maximum allowable loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to thoroughly review qualifications including income, reserves, and credit conditions.
| 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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