For 2026, the FHA loan ceiling in the county of West-Orange, located in Essex, NJ, stands at $822,375 for single-family homes, $1,053,000 for two-unit buildings, $1,272,750 for three-unit properties, and $1,581,750 for four-unit residences.
Meanwhile, the highest amount you can borrow with conventional loans for a single-family house is $822,375, with limits set at $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four-unit dwellings.
Check out our FHA calculator to find today's best rates, and calculate the necessary down payment, income, credit, reserves, and documents needed to qualify for a loan.
The Lendersa® calculator lets you examine how FHA rates and terms compare to other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money options.
Lendersa® compiles loan program data from a vast number of lenders and promptly matches it to your specific financial profile and needs.
The Loan Limits Comparison Chart for 2026 in West-Orange county of Essex, NJ, offers a side-by-side view of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For comparing requirements like income, reserves, and credit, turn to the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 | $0 | $0 | $0 | $0 |
| 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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