In 2026, the FHA loan limits in West-Milford, located in Passaic county, NJ, are $822,375 for a single-family home, $1,053,000 for two-units, $1,272,750 for three-units, and $1,581,750 for four-units.
Conventional loan maximums are $822,375 for a single-family residence, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
Utilize our FHA calculator to see today’s best FHA rates and assess required downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator lets you compare FHA rate and terms with other loan programs. Explore possibilities with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles data from thousands of lenders, providing rapid comparisons matched to your financial needs.
Check the Loan Limits Comparison Table for 2026 in West-Milford, county of Passaic, NJ, to evaluate FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare income, reserves, and credit criteria.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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