For 2026, the FHA loan limits in South-Plainfield, Middlesex county, NJ are $822,375 for a single-family home, $1,053,000 for two-units, $1,272,750 for three-units, and $1,581,750 for four-units.
The maximum conventional loan amounts for a single-family residence are $822,375, with limits of $1,053,000 for two-units, $1,272,750 for three-units, and $1,581,750 for four-units.
Use our FHA calculator to access today’s FHA best rates and figure out necessary downpayment, income, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with other loan programs. Analyze possibilities like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Sourcing data from thousands of lenders, Lendersa® provides quick comparisons tailored to your financial situation and needs.
Consult the Loan Limits Comparison Table for 2026 in South-Plainfield, Middlesex, NJ to evaluate FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for income, reserves, and credit assessment.
| 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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