In 2026, FHA loan limits for Waldwick county, Bergen, NJ are: $1,089,300 for single-family homes, $1,394,775 for properties with two units, $1,685,850 for three units, and $2,095,200 for four units.
The ceiling for conventional loans on a single-family residence is set at $1,089,300, while it's $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for fourplexes.
Utilize our FHA calculator to access today's optimal FHA rates and determine the necessary downpayment, income requirements, credit score, reserves, and documentation to qualify for a loan.
The Lendersa® calculator lets you compare FHA rates and terms against other loan programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, providing a wide array of choices.
Lendersa® collects extensive loan data from thousands of lenders and efficiently matches it with your unique financial profile and needs.
The 2026 Loan Limits Comparison Table for Waldwick county of Bergen, NJ, shows the maximum loan amounts for products like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For further qualification comparison—such as 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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