In 2026, the FHA loan limits for Verona county, Essex, NJ are $1,089,300 for single-family homes, $1,394,775 for 2-units, $1,685,850 for 3-units, and $2,095,200 for 4-units.
The maximum loan amount for conventional homes is $1,089,300. For 2-units, it is $1,394,775; for 3-units, it's $1,685,850; and for 4-units, the limit is $2,095,200.
Utilize our FHA calculator to find today’s best FHA rates and calculate the necessary downpayment, income, credit score, reserves, and documents for qualification.
With the Lendersa® calculator, evaluate FHA rates and terms alongside other loan programs. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans compared to FHA.
Lendersa® swiftly gathers data from thousands of lenders, aligning it with your financial profile and needs.
For 2026, the Loan Limits Comparison Table in Verona county, Essex, NJ provides maximum loan comparisons for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For assessing qualifications like income, reserves, and credit, use 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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