FHA Loan Limits in Union County, New Jersey (2026)
From Union County, FHA buyers in Union County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 |
From Union County to the edges of Union County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Bergen and Hudson Counties.
What can you buy with FHA in Union County?
An FHA buyer near Union County faces an estimated $437,000 median, a $15,295 down payment, and — after New Jersey's 2.47% property tax — a monthly cost around $3,851. That suits household income of roughly $149,000, above New Jersey's $99,781 median household income, so budget carefully.
FHA payment scenarios in Union County
Here is what an FHA payment looks like at three Union County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $315,000 | $11,025 | $2,809 |
| Local median — $437,000 | $15,295 | $3,851 |
| 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 Union County too — get notified.
First-time buyers make up much of FHA activity in Union County and across Union County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $15,295 needed on a median Union County home.
Multi-unit FHA limits in Union County
Looking at a duplex or fourplex near Union County? FHA allows up to $692,997 on two units and $1,041,072 on four in Union County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Union County for 2026?
- In Union County (Union 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 Union County with FHA?
- For a median-priced ($437,000) Union County home, plan on income around $149,000 at a 31% housing ratio — about $3,851/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Union County?
- 3.5% with a 580+ score — roughly $15,295 on a $437,000 Union County-area home. Gift funds are allowed.
- Is Union County a high-cost FHA area?
- No — Union County uses the $541,287 national floor for one unit.