In 2026, the FHA loan limits in Watchung County of Somerset, NJ are $1,089,300 for single-family homes, $1,394,775 for two-unit properties, $1,685,850 for three-unit buildings, and $2,095,200 for four-unit homes.
For conventional loans, the maximum for single-family residences is $1,089,300. Two units have a cap of $1,394,775, three units are set at $1,685,850, and four-unit properties reach $2,095,200.
Use our FHA calculator to find today’s favorable FHA rates and calculate the downpayment, income, credit, reserves, and documentation needed to qualify.
The Lendersa® calculator enables you to compare FHA rates and terms with other loan programs. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
Lendersa® compiles data from thousands of lenders, offering quick comparisons suited to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Watchung County, Somerset, NJ highlights FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Review qualification criteria like income, reserves, and credit with 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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