New Jersey loan limits 2026 by county
In 2026, 12 of the 21 counties in New Jersey have a conforming loan limit above the $832,750 national baseline; the highest is $1,209,750 for a one-unit home in 12 counties. FHA limits run from $541,287 to $1,249,125: 18 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every New Jersey county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Atlantic County | $832,750 | $730,250 | Atlantic City-Hammonton, NJ |
| Bergen County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Burlington County | $832,750 | $630,200 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| Camden County | $832,750 | $630,200 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| Cape May County | $832,750 | $730,250 | Atlantic City-Hammonton, NJ |
| Cumberland County | $832,750 | $541,287 | Vineland, NJ |
| Essex County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Gloucester County | $832,750 | $630,200 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| Hudson County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Hunterdon County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Mercer County | $832,750 | $541,287 | Trenton-Princeton, NJ |
| Middlesex County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Monmouth County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Morris County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Ocean County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Passaic County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Salem County | $832,750 | $630,200 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| Somerset County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Sussex County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Union County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Warren County | $832,750 | $541,287 | Allentown-Bethlehem-Easton, PA-NJ |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in New Jersey
Bergen County ($1,249,125), Essex County ($1,249,125), Hudson County ($1,249,125), Hunterdon County ($1,249,125) and Middlesex County ($1,249,125). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in New Jersey
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- New Jersey fair market rentsHUD Fair Market Rents for every New Jersey county, studios to 4 bedrooms.
- New Jersey property tax ratesEffective property tax rate for every New Jersey county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about New Jersey loan limits
What are the FHA loan limits in New Jersey for 2026?
$541,287 to $1,249,125 for a one-unit home, depending on the county. 18 counties are above the national floor of $541,287, led by Bergen County ($1,249,125), Essex County ($1,249,125) and Hudson County ($1,249,125); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in New Jersey for 2026?
$832,750 to $1,209,750 for a one-unit home, by county; 12 counties are above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in New Jersey?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 to $1,209,750 in New Jersey for 2026: 25 percent of that limit minus the entitlement already used.
Which New Jersey counties have the highest loan limits?
Conforming: Bergen County at $1,209,750. FHA: Bergen County at $1,249,125. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/new-jersey. Not lending advice.