In the year 2026, the Federal Housing Administration (FHA) loan ceilings for Washington county in Gloucester, NJ, are set at $529,000 for a single-family house, $677,200 for two-unit properties, $818,600 for three units, and $1,017,300 for properties with four units.
For conventional loans, the highest loan amount for a single-family dwelling is $726,200, while it is $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Make use of our FHA calculator to explore the top FHA rates available today and to calculate down payments, income requirements, credit scores, reserves, and documentation necessary for qualification.
The Lendersa® calculator allows you to contrast FHA rates and terms with all other lending options' rates and terms. Discover and make comparisons among conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans alongside FHA options.
Lendersa® aggregates loan program data from a multitude of lenders, providing a fast, side-by-side comparison with your unique financial situation in mind, performed in just seconds.
The Loan Limits Comparison Table for 2026 within Washington county of Gloucester, NJ, gives a side-by-side look at maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification conditions like income, reserves, and credit, try the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $529,000 | $677,200 | $818,600 | $1,017,300 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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