For 2025, the FHA loan limit in Warren county within Somerset, NJ is set at $1,089,300 for a single-family home. For 2-unit residences, the limit is $1,394,775, $1,685,850 applies to 3-units, and $2,095,200 for properties with 4-units.
The cap on conventional loan amounts for a single-family dwelling stands at $1,089,300, with $1,394,775 for 2-units, $1,685,850 for 3-units, and $2,095,200 for 4-units.
Use our FHA calculator to check current FHA best rates, and to calculate the needed downpayment, income, credit, reserves, and documentation to qualify.
The Lendersa® calculator assists you in comparing FHA rate and terms alongside other loan programs. Consider various options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
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Loan Limits Comparison Table for 2025 in Warren county of Somerset, NJ offers a view of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To compare criteria such as income, reserves, and credit, consult 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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