For 2026, the FHA loan threshold in Teaneck county of Bergen, NJ is established at $1,089,300 for a single-family residence, $1,394,775 for two-unit structures, $1,685,850 for three-unit buildings, and $2,095,200 for those with four units.
In contrast, conventional loans have a ceiling of $1,089,300 for single-family dwellings, increasing to $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for quadruplexes.
Our FHA calculator can help you find current leading FHA rates and determine the necessary downpayment, income level, credit score, reserves, and the documentation required for eligibility.
The Lendersa® calculator offers an efficient way to compare FHA rates and terms with those from a variety of other loan types. These include Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, facilitating a comprehensive loan analysis.
Lendersa® assimilates loan program data from thousands of lenders, providing prompt comparisons tailored to your financial profile and specific needs within moments.
For the year 2026, the Loan Limits Comparison Table in Teaneck county of Bergen, NJ provides details of maximum borrowable amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification criteria such as income, reserves, and credit, utilize 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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