For the year 2026, 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 2026 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 |
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