New Jersey FHA Loan Limits

Last Updated: Wed, January 2, 2019

Loan Limits in New Jersey

New Jersey has 21 counties with FHA Limits ranging from a low of $314,827 for a 1-bedroom unit in Cumberland County to a high of $1,397,400 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 ($605,525)
Highest Loan Limit ($1,397,400)

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

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. The maximum loan limit in New Jersey is $1,397,400 for a 4 living-unit home. 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. FHA loans cannot be used for real estate investment purposes or "flipping" homes in New Jersey. Click on the New Jersey map above or the table below to see loan limits in your area.

Loan Limits by County in New Jersey (21)

County Lowest Loan Limit Highest Loan Limit
Atlantic County $316,250 $608,150 view loan limits »
Bergen County $726,525 $1,397,400 view loan limits »
Burlington County $402,500 $774,050 view loan limits »
Camden County $402,500 $774,050 view loan limits »
Cape May County $414,000 $796,150 view loan limits »
Cumberland County $314,827 $605,525 view loan limits »
Essex County $726,525 $1,397,400 view loan limits »
Gloucester County $402,500 $774,050 view loan limits »
Hudson County $726,525 $1,397,400 view loan limits »
Hunterdon County $726,525 $1,397,400 view loan limits »
Mercer County $345,000 $663,450 view loan limits »
Middlesex County $726,525 $1,397,400 view loan limits »
Monmouth County $726,525 $1,397,400 view loan limits »
Morris County $726,525 $1,397,400 view loan limits »
Ocean County $726,525 $1,397,400 view loan limits »
Passaic County $726,525 $1,397,400 view loan limits »
Salem County $402,500 $774,050 view loan limits »
Somerset County $726,525 $1,397,400 view loan limits »
Sussex County $726,525 $1,397,400 view loan limits »
Union County $726,525 $1,397,400 view loan limits »
Warren County $372,600 $716,550 view loan limits »

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