For the year 2025, the FHA loan limits in Woodcliff-Lake county, part of Bergen in NJ, reach $822,375 for a single-family home, $1,053,000 for duplexes, $1,272,750 for triplexes, and culminate at $1,581,750 for four-unit dwellings.
Conventional loans offer a maximum loan amount of $822,375 for single-family residences, rising to $1,053,000 for two-family units, $1,272,750 for three-unit properties, and peaking at $1,581,750 for four units.
Leverage our FHA calculator to access today’s competitive FHA rates and gain insights on the necessary downpayment, income verification, credit evaluation, financial reserves, and documentation needed for qualification.
The Lendersa® calculator facilitates the comparison of FHA rates and terms alongside those of various other loan programs. Delve into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans as alternatives to FHA options.
Lendersa® meticulously compiles extensive data from thousands of lending institutions, swiftly comparing options that align with your distinct financial profile and needs.
Our comparison table of loan limits for 2025 within Woodcliff-Lake county, Bergen, and NJ evaluates FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), alongside hard money lending solutions. To scrutinize qualification requirements such as income, reserves, and credit conditions, utilize 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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