FHA Loan Limits in Passaic County, New Jersey (2026)
Buying in Passaic County or elsewhere in Passaic County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Mid-Atlantic.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Passaic County — Passaic County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Bergen and Hudson Counties.
FHA affordability around Passaic County
An FHA buyer near Passaic County faces an estimated $502,000 median, a $17,570 down payment, and — after New Jersey's 2.47% property tax — a monthly cost around $4,407. That suits household income of roughly $171,000, above New Jersey's $99,781 median household income, so budget carefully.
FHA payment scenarios in Passaic County
Whether you are buying in Passaic County or a smaller Passaic County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $361,000 | $12,635 | $3,202 |
| Local median — $502,000 | $17,570 | $4,407 |
| At the FHA limit — $541,287 | $18,945 | $4,743 |
Estimates include FHA MIP plus New Jersey property taxes and insurance. Rates move daily near Passaic County too — get notified.
Buyers across Passaic County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $17,570 down payment near Passaic County into little out of pocket.
Multi-unit FHA limits in Passaic County
Investors and house-hackers in Passaic County and across Passaic County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Passaic County for 2026?
- In Passaic County (Passaic County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Passaic County with FHA?
- For a median-priced ($502,000) Passaic County home, plan on income around $171,000 at a 31% housing ratio — about $4,407/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Passaic County?
- 3.5% with a 580+ score — roughly $17,570 on a $502,000 Passaic County-area home. Gift funds are allowed.
- Is Passaic County a high-cost FHA area?
- No — Passaic County uses the $541,287 national floor for one unit.