New Jersey Conventional Loan Limits by County

Fannie Mae and Freddie Mac

Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.

Conventional loan limits can be higher than the conforming loan limit in high cost Counties.  High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.

Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.

You can find FHA and VA Loan limits here.

Have Questions About Loan Limits? Experts are Standing By!

New Jersey Conventional Loan Limits by County

County1 Unit SFR2 Unit Duplex3 Unit Triplex4 Unit Fourplex
ATLANTIC$453,100$580,150$701,250$871,450
BERGEN$679,650$870,225$1,051,875$1,307,175
BURLINGTON$453,100$580,150$701,250$871,450
CAMDEN$453,100$580,150$701,250$871,450
CAPE MAY$453,100$580,150$701,250$871,450
CUMBERLAND$453,100$580,150$701,250$871,450
ESSEX$679,650$870,225$1,051,875$1,307,175
GLOUCESTER$453,100$580,150$701,250$871,450
HUDSON$679,650$870,225$1,051,875$1,307,175
HUNTERDON$679,650$870,225$1,051,875$1,307,175
MERCER$453,100$580,150$701,250$871,450
MIDDLESEX$679,650$870,225$1,051,875$1,307,175
MONMOUTH$679,650$870,225$1,051,875$1,307,175
MORRIS$679,650$870,225$1,051,875$1,307,175
OCEAN$679,650$870,225$1,051,875$1,307,175
PASSAIC$679,650$870,225$1,051,875$1,307,175
SALEM$453,100$580,150$701,250$871,450
SOMERSET$679,650$870,225$1,051,875$1,307,175
SUSSEX$679,650$870,225$1,051,875$1,307,175
UNION$679,650$870,225$1,051,875$1,307,175
WARREN$453,100$580,150$701,250$871,450
>