2026 FHA Loan Limits in New Jersey
If you’re considering a home purchase in the Garden State with a loan backed by the Federal Housing Administration (FHA), you need to understand the loan limits in your area. For 2026, the maximum FHA loan limits for single-family homes in New Jersey range from $541,287 to $1,249,125.
FHA loans offer more flexible credit requirements compared to conventional loans, but the amount you can borrow varies by county. Below, we’ll cover the loan limits in different New Jersey counties, as well as tips for qualifying for an FHA loan.
New Jersey FHA loan limits by county
FHA loan limits for single-family (one unit) homes by county
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ATLANTIC COUNTY | $730,250 | $934,850 | $1,130,000 | $1,404,350 | $635,000 |
| BERGEN COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| BURLINGTON COUNTY | $630,200 | $806,750 | $975,200 | $1,211,950 | $548,000 |
| CAMDEN COUNTY | $630,200 | $806,750 | $975,200 | $1,211,950 | $548,000 |
| CAPE MAY COUNTY | $730,250 | $934,850 | $1,130,000 | $1,404,350 | $635,000 |
| CUMBERLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $235,000 |
| ESSEX COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| GLOUCESTER COUNTY | $630,200 | $806,750 | $975,200 | $1,211,950 | $548,000 |
| HUDSON COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| HUNTERDON COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| MERCER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $391,000 |
| MIDDLESEX COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| MONMOUTH COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| MORRIS COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| OCEAN COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| PASSAIC COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| SALEM COUNTY | $630,200 | $806,750 | $975,200 | $1,211,950 | $548,000 |
| SOMERSET COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| SUSSEX COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| UNION COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| WARREN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $395,000 |
How are FHA loan limits determined?
Both the FHA loan limit “floor” and “ceiling” are set annually based on conforming loan limits and localized median home prices. Overall, the 2026 loan limits are higher than in 2025 because home prices rose over the last year.
The FHA loan limit “floor” (or the maximum loan amount in low-cost areas) is calculated as 65% of the national conforming loan limit. For high-cost areas, the “ceiling” is calculated as 150% of the national conforming loan limit. The floor limit for single-family homes in 2026 is $541,287 and the ceiling is $1,249,125.
How to qualify for an FHA loan in New Jersey
To qualify for an FHA loan, you’ll need to satisfy several requirements, including getting an FHA appraisal. As noted above, the size of the loan must fall within the loan limits for your area.
Beyond that, the minimum mortgage requirements include:
- Minimum credit score: You must have a minimum 500 or 580 credit score, depending on your down payment amount.
- Minimum down payment: Applicants with a 580 or higher credit score can qualify for a 3.5% down payment. But those with a score between 500 and 579 need to provide a minimum 10% down payment.
- Clean repayment history: Keep in mind that having things like recent foreclosures, liens or bankruptcies on your credit history may lead to application denial.
- Occupancy: You need to live in the home as your primary residence for at least one year.
- Debt-to-income (DTI) ratio: Your debt payments can generally only amount to 43% of your gross monthly income. For instance, if you earn $5,000 a month, your debt payments can’t be more than $2,150. However, you may qualify for an FHA loan with a higher DTI ratio if you have sufficient cash reserves.
- Verifiable income: Your application must include income documentation, such as pay stubs, tax returns and bank statements in order to qualify.
- Mortgage insurance: Two types of FHA mortgage insurance are generally required: an upfront premium of 1.75% of the loan amount, plus an annual insurance premium that ranges from 0.15% to 0.75% of the loan amount.
Buying a multifamily property with an FHA loan
You can use an FHA loan to buy multifamily properties with two to four units. In addition to generally higher loan limits, you can use future rental income to help you qualify for a multifamily FHA loan.
The general requirements for multifamily FHA loans are the same as those discussed above, plus:
- Living in one of the units for one year, even if you’re renting the other units.
- Showing cash reserves of up to three months, depending on how many units your property has.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in New Jersey
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 |
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