For 2026, the FHA loan limits in Trenton county, Mercer, NJ are set at $472,030 for a single-family home, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for properties with four units.
Conventional loan ceilings for single-family residences are $726,200, escalating to $929,850 for two units, $1,123,900 for three-unit homes, and $1,396,800 for fourplexes.
Access today’s top FHA rates through our calculator and determine the downpayment, income, credit, reserves, and necessary documents to qualify.
The Lendersa® calculator supports comparing FHA rates and terms with multiple other loan programs. Investigate and contrast loans such as conventional, jumbo, VA, USDA, Non-QM, and hard money options complemented with FHA terms.
Lendersa® draws comprehensive loan program data from a vast array of lenders and efficiently reviews this data against your unique financial profile and needs.
Check the Loan Limits Comparison Table for 2026 in Trenton county of Mercer, NJ to explore comparisons among FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans regarding their maximum amounts. Employ Lendersa® Super Loan Integrated Qualifier (SLIQ™) to weigh qualification requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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