In 2026, the FHA loan limits in Union county, Union, NJ are $1,089,300 for a single-family home, $1,394,775 for two-unit buildings, $1,685,850 for three-unit properties, and $2,095,200 for structures with four units.
The upper limit for conventional loans on a single-family residence is $1,089,300, with $1,394,775 for two-unit homes, $1,685,850 for those with three units, and $2,095,200 for four-unit dwellings.
Use our FHA calculator to find today’s top FHA rates and determine necessary downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Investigate alternatives like conventional, jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers and compares data from thousands of lenders to your financial profile and needs quickly.
Access the Loan Limits Comparison Table for 2026 in Union county of Union, NJ to compare FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loan amounts. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifying conditions like income, reserves, and credit.
| 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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