In 2026, FHA loan limits in Upper-Saddle-River county of Bergen, NJ are $822,375 for a single-family home, $1,053,000 for two-units, $1,272,750 for three-units, and $1,581,750 for four-units.
Conventional loan caps for a single-family residence are $822,375, $1,053,000 for two-units, $1,272,750 for three-units, and $1,581,750 for four-units.
Utilize our FHA calculator to access current top FHA rates and ascertain the necessary downpayment, income, credit standing, reserves, and documentation to qualify.
Lendersa® calculator lets you compare the rates and terms of FHA loans with other loan programs. Investigate and assess Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Gathering data from thousands of lenders, Lendersa® promptly compares it to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Upper-Saddle-River county of Bergen, NJ allows for comparison among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To evaluate qualification requirements like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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