For the year 2025, the FHA loan limits in Wanaque county of Passaic, NJ are established as follows: $1,089,300 for a single-family home, $1,394,775 for 2-units, $1,685,850 for homes with 3-units, and $2,095,200 for 4-units.
The maximum amount for conventional loans on a single-family residence is $1,089,300. For 2-units, it increases to $1,394,775, for 3-units it is $1,685,850, and for 4-units, the cap is $2,095,200.
Use our FHA calculator to see today’s top FHA rates and assess the needed downpayment, income, credit, reserves, and documents necessary for qualification.
The Lendersa® calculator allows you to compare FAA rates and terms with those from different loan programs. Consider options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Lendersa® collects loan program information from thousands of lenders, comparing it rapidly with your financial profile and needs.
The Loan Limits Comparison Table for 2025 in Wanaque county, Passaic, NJ provides a comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification requirements 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 | $776,600 | $776,600 | $776,600 | $776,600 |
| 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 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
