FHA Loan Limits in New Jersey (2026)
For 2026, the FHA loan limit in most New Jersey counties is $541,287 for a single-family home. 6 higher-cost New Jersey counties carry larger limit, up to $1,249,125.
FHA loan limits by county in New Jersey
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Bergen County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Essex County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Middlesex County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Hudson County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Ocean County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Monmouth County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Camden County | $541,287 | $692,997 | $1,041,072 | Standard |
| Union County | $541,287 | $692,997 | $1,041,072 | Standard |
| Passaic County | $541,287 | $692,997 | $1,041,072 | Standard |
| Morris County | $541,287 | $692,997 | $1,041,072 | Standard |
| Burlington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Mercer County | $541,287 | $692,997 | $1,041,072 | Standard |
| Somerset County | $541,287 | $692,997 | $1,041,072 | Standard |
| Gloucester County | $541,287 | $692,997 | $1,041,072 | Standard |
| Atlantic County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cumberland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sussex County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hunterdon County | $541,287 | $692,997 | $1,041,072 | Standard |
| Warren County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cape May County | $541,287 | $692,997 | $1,041,072 | Standard |
New Jersey's median home price is roughly $520,000. With 3.5% down, an example FHA payment near that price is about $3,967/month including MIP, taxes, and insurance.
Buying with an FHA loan in New Jersey
FHA loans are popular with first-time buyers in New Jersey because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in New Jersey for 2026?
- Most New Jersey counties use the national FHA floor of $541,287 for a one-unit home. High-cost New Jersey counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in New Jersey?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.