In 2026, the FHA loan limits for Wood-Ridge county in Bergen, NJ, are as follows: $1,089,300 for a single-family home, $1,394,775 for properties with two units, $1,685,850 for three-unit residences, and $2,095,200 for those with four units.
The maximum amounts for conventional loans on single-family homes are $1,089,300. For two units, the limit is $1,394,775, for three units $1,685,850, and for four units $2,095,200.
Use our FHA calculator to explore today’s best FHA rates. Assess downpayment, income, credit, reserves, and documents needed to qualify for a loan.
The Lendersa® calculator allows you to match FHA loan rates and terms with those of other programs. Explore, evaluate, and contrast options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
Lendersa® pulls comprehensive loan data from thousands of lenders, quickly comparing these options to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Wood-Ridge county of Bergen, NJ, offers insights into FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To evaluate qualification requirements such as income, reserves, and credit, use the 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 | $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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