In 2025, the FHA loan limits for Spotswood county in Middlesex, NJ are: $1,089,300 for a single-family home, $1,394,775 for properties with two units, $1,685,850 for three-unit buildings, and $2,095,200 for those with four units.
Conventional loans in this region allow maximum amounts of $1,089,300 for a single-family dwelling, rising to $1,394,775 for two-unit structures, $1,685,850 for tri-unit homes, and $2,095,200 for four-unit properties.
Our FHA calculator will help you explore the most competitive FHA rates today, while also determining the essential down payment, income, credit score, reserves, and documents required for qualification.
With the Lendersa® calculator, you can evaluate FHA rates in comparison to terms from other loan programs. Examine a range of options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® provides instant access to updated loan data from thousands of lenders, which it aligns with your specific economic profile and needs.
The Loan Limits Comparison Table for 2025 in Spotswood county of Middlesex, NJ shows maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For evaluating requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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