New Jersey 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in New Jersey

New Jersey has 21 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Atlantic County to a high of $1,867,275 for a 4-bedroom unit in Bergen County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of New Jersey's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($809,150)
Highest Loan Limit ($1,867,275)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in New Jersey (21 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Atlantic County $420,680 $809,150 view details »
Bergen County $970,800 $1,867,275 view details »
Burlington County $477,250 $917,800 view details »
Camden County $477,250 $917,800 view details »
Cape May County $489,900 $942,100 view details »
Cumberland County $420,680 $809,150 view details »
Essex County $970,800 $1,867,275 view details »
Gloucester County $477,250 $917,800 view details »
Hudson County $970,800 $1,867,275 view details »
Hunterdon County $970,800 $1,867,275 view details »
Mercer County $420,680 $809,150 view details »
Middlesex County $970,800 $1,867,275 view details »
Monmouth County $970,800 $1,867,275 view details »
Morris County $970,800 $1,867,275 view details »
Ocean County $970,800 $1,867,275 view details »
Passaic County $970,800 $1,867,275 view details »
Salem County $477,250 $917,800 view details »
Somerset County $970,800 $1,867,275 view details »
Sussex County $970,800 $1,867,275 view details »
Union County $970,800 $1,867,275 view details »
Warren County $420,680 $809,150 view details »

How to qualify for an FHA Loan in New Jersey?

To qualify for an FHA loan in New Jersey, your home loan must be below the local FHA loan limits in your area. For 2022, the maximum loan limit in New Jersey is $420,680 for a single-family home and $1,867,275 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in New Jersey. Additional restricts apply. Click on the New Jersey map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/new-jersey