In 2026, FHA loan limits in Wayne county of Passaic, NJ are $1,089,300 for a single-family home, $1,394,775 for two-unit properties, $1,685,850 for three units, and $2,095,200 for four-unit residences.
The maximum loan amount for conventional loans on a single-family home is $1,089,300, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for homes with four units.
Use our FHA calculator to view today’s best FHA rates and determine the necessary downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator allows for comparisons of FHA rates and terms with other loan programs. Assess options like conventional loans, jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® collects loan data from thousands of lenders to efficiently match it with your financial profile and needs.
Access the Loan Limits Comparison Table for 2026 in Wayne county of Passaic, NJ to evaluate maximum loan amounts for FHA, conventional, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for examining qualification requirements 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 | $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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