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Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits for New Jersey

Conforming Loans

FHA Loans

Property Type

2025 Loan Limit

1-Unit Homes

$806,500

2-Unit Homes

$1,032,650

3-Unit Homes

$1,248,150

4-Unit Homes

$1,551,250

Source: Federal Housing Finance Agency; Federal Housing Administration

New Jersey mortgage loan limits apply in:

2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area

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Historical Charts: Mortgage Loan Limits in New Jersey

New Jersey mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans

FHA Loans

Mortgage Statistics from New Jersey

New Jersey mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages

Total

Purchase Mortgages (2018-2023)

600,160

Loan Type

Relative Share

Conventional

77.01%

FHA

19.04%

3.49%

USDA

0.45%

Property Type

Relative Share

1-Unit Homes

94.01%

2-Unit Homes

5.04%

3-Unit Homes

0.72%

4-Unit Homes

0.22%

Borrower Status

Relative Share

One Applicant

53.92%

Two or More Applicants

46.08%

Gender

Relative Share

Male

34.18%

Female

21.45%

Joint Sex

38.68%

Not Available

5.69%

Race

Relative Share

American Indian / Alaska Native

0.20%

Asian

11.41%

Black / African American

7.51%

Native Hawaiian / Other Pacific Islander

0.14%

White

63.67%

Mixed Race

2.24%

Other Race

14.84%

Ethnicity

Relative Share

Hispanic or Latino

12.23%

Not Hispanic or Latino

71.72%

Joint Ethnicity

2.52%

Other Ethnicity

13.53%

New Jersey data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits in All New Jersey Counties

2025 conforming and FHA mortgage loan limits for all New Jersey counties. Local loan limits and county-level mortgage data updated regularly.

New Jersey Counties

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2025 Conventional and FHA Mortgage Loan Limits for New Jersey

New Jersey mortgage loan limits apply in:

Historical Charts: Mortgage Loan Limits in New Jersey

Mortgage Statistics from New Jersey

Mortgage Loan Limits in All New Jersey Counties

New Jersey Counties

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