2026 Mortgage Loan Limits for New Jersey

Find Loan Limits by County in New Jersey

Mortgage loan limits vary by county in New Jersey based on local housing costs. New Jersey has 21 counties, with 12 designated as high-cost areas with elevated limits. Select a county below to find current limits for conventional, FHA, VA, and USDA loans.

New Jersey Loan Limits Overview

How to Use New Jersey Loan Limits

Loan limits vary by county in New Jersey. Find your county's limits below, then use them to understand your buying power and compare mortgage options.

1. 1

   Find Your County Limits

   Click your county below to see exact limits for conventional, FHA, VA, and USDA loans. Limits change each year, so check the current 2026 amounts. 12 counties in New Jersey have elevated limits above the national baseline.

2. 2

   Calculate What You Can Afford

   Use your county's loan limits with our home affordability calculator to see how much house you can buy. The calculator factors in your income, debts, and local loan limits.

3. 3

   Compare Loan Types

   Different loan types have different limits. Conventional loans may go higher in high-cost areas, while FHA limits are set by county. VA loans match conventional limits, and USDA has its own limits based on area median income. Learn about loan types.

4. 4

   Get Pre-Approved

   Once you know your county's limits, connect with lenders who work in New Jersey. They can help you understand which loan type fits your situation and get pre-approved.

New Jersey County Loan Limits

Click on a county below to see detailed loan limits and mortgage statistics.