During 2026, the FHA loan limits for Westwood county in Bergen, NJ, are defined as $1,089,300 for single-family residences, $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for four-unit buildings.
Conversely, conventional loan caps for these properties are set at $1,089,300 for a single-family home, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
To explore FHA's competitive rates and determine necessary qualifications such as down payments, income verification, credit standings, reserve funds, and documentation, make use of our specific FHA calculator.
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For 2026, the Loan Limits Comparison Table presents a detailed analysis of the maximum loan amounts available, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options in Westwood county, Bergen, NJ. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a thorough comparison of eligibility criteria such as income, reserves, and credit evaluations.
| 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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