New Jersey 2019 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.

Loan Limits by County in New Jersey (21 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Atlantic County $316,250 $608,150 view details »
Bergen County $726,525 $1,397,400 view details »
Burlington County $402,500 $774,050 view details »
Camden County $402,500 $774,050 view details »
Cape May County $414,000 $796,150 view details »
Cumberland County $314,827 $605,525 view details »
Essex County $726,525 $1,397,400 view details »
Gloucester County $402,500 $774,050 view details »
Hudson County $726,525 $1,397,400 view details »
Hunterdon County $726,525 $1,397,400 view details »
Mercer County $345,000 $663,450 view details »
Middlesex County $726,525 $1,397,400 view details »
Monmouth County $726,525 $1,397,400 view details »
Morris County $726,525 $1,397,400 view details »
Ocean County $726,525 $1,397,400 view details »
Passaic County $726,525 $1,397,400 view details »
Salem County $402,500 $774,050 view details »
Somerset County $726,525 $1,397,400 view details »
Sussex County $726,525 $1,397,400 view details »
Union County $726,525 $1,397,400 view details »
Warren County $372,600 $716,550 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 2019, the maximum loan limit in New Jersey is $314,827 for a single-family home and $1,397,400 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