For the year 2026, the FHA loan limits in Springfield county, part of Union, NJ, stand at $1,089,300 for a single-family home. For properties with 2-units, the limit is $1,394,775, increasing to $1,685,850 for those with three units, and reaching $2,095,200 for 4-unit residences.
Regarding conventional loans, a single-family residence has a cap of $1,089,300. This amount adjusts to $1,394,775 for 2-unit properties, $1,685,850 for 3-unit homes, and extends to $2,095,200 for those with 4-units.
Leverage our FHA calculator to discover today's most favorable FHA rates. This tool will also help you identify the necessary downpayment, income level, credit score, reserves, and documents needed to meet qualification criteria.
The Lendersa® calculator is designed to let you evaluate and contrast FHA rates and terms with those offered by other lending programs. Look into and assess options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, in addition to FHA.
Lendersa® compiles lending data from thousands of providers, quickly aligning it with your particular financial situation and individual requirements.
The Loan Limits Comparison Table for 2026 in Springfield county, Union, NJ, enables the examination of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amount limits. To better compare qualification standards like income, savings reserves, and credit score, consider using 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 | $0 | $0 | $0 | $0 |
| 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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