For the year 2026, the FHA loan limit in South-Bound-Brook, within Somerset county of NJ, is set at $822,375 for a single-family home. For properties with 2 units, the limit is $1,053,000; for 3 units, it's $1,272,750; and for 4 units, it reaches $1,581,750.
The maximum conventional loan amount for a single-family dwelling is $822,375, with a limit of $1,053,000 for 2-unit homes. Meanwhile, 3-unit residences can avail a maximum of $1,272,750, and for 4-units, it’s $1,581,750.
Access today's best FHA rates using our calculator to also find out how much downpayment, income, credit, reserves, and documentation you'll need to qualify.
With the Lendersa® calculator, you have the ability to compare the rates and terms of FHA loans alongside other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers data from numerous lenders and instantly compares this against your specific financial situation.
Check the Loan Limits Comparison Table for 2026 in South-Bound-Brook, located in Somerset county of NJ, which covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification details like income, reserves, and credit, refer to the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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