In 2026, the FHA loan limit in Totowa county, Passaic, NJ, is $1,089,300 for a single-family home, $1,394,775 for two-unit properties, $1,685,850 for three units, and $2,095,200 for four units.
For conventional loans, the maximum amount for a single-family residence is set at $1,089,300. For two units, it's $1,394,775, for three units, $1,685,850, and for four units, it's $2,095,200.
Use our FHA calculator to find today's best FHA rates and figure out the needed downpayment, income, credit, reserves, and documents required to qualify.
Lendersa® calculator lets you compare FHA rates and terms with other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Dive in and explore these options.
Lendersa® retrieves loan information from thousands of lenders and quickly matches it to your unique financial profile and needs.
The 2026 Loan Limits Comparison Table in Totowa county, Passaic, NJ, helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM, and hard money maximum loan amounts. To examine requirement comparisons, including income, reserves, and credit, access 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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