In 2025, FHA loan limits in Washington county, Bergen, NJ, are set at $1,089,300 for single-family homes, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
Conventional loan maximums for single-family residences are $1,089,300, for two units, $1,394,775, for three units $1,685,850, and for four units $2,095,200.
Use our FHA calculator to find today’s top FHA rates and evaluate downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with various other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® accesses data from thousands of lenders and quickly evaluates it against your specific financial needs.
The 2025 Loan Limits Comparison Table in Washington county, Bergen, NJ, compares FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for assessing qualification needs like income, reserves, and credit.
| 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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