New Jersey 2025 FHA Loan Limits
Loan Limits in New Jersey
New Jersey has 21 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Atlantic County to a high of $2,326,875 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.
Highest Loan Limit ($2,326,875)
† 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)
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 2025, the maximum loan limit in New Jersey is $524,225 for a single-family home and $2,326,875 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.