During 2026, the FHA loan limit in South-Orange-Village county within Essex, NJ is set at $822,375 for a single-family home. For properties with 2-units, the limit adjusts to $1,053,000, for 3-units it increases to $1,272,750, and for 4-units, it reaches $1,581,750.
Conventional loans on a single-family residence have a maximum of $822,375. This extends to $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
Our FHA calculator aids in discovering today’s top FHA rates, helping you determine the necessary downpayment, income, credit, reserves, and documents for qualification.
Using the Lendersa® calculator, assess FHA rates against other loan programs' terms. Dive into options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® processes data from thousands of lenders, quickly aligning it to your financial profile and unique needs.
The Loan Limits Comparison Table for 2026 in South-Orange-Village county of Essex, NJ, enables you to compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. For comparing criteria like income, reserves, and credit, utilize 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 | $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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