Current FHA Mortgage Rates in NJ - New Jersey FHA mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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New Jersey Mortgages

2022 FHA Loan Limits for New Jersey

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2022 FHA loan limits for each county in New Jersey are below.

County Name One Family Two Family Three Family Four Family
Atlantic One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bergen One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Burlington One Family$477,250 Two Family$610,950 Three Family$738,500 Four Family$917,800
Camden One Family$477,250 Two Family$610,950 Three Family$738,500 Four Family$917,800
Cape May One Family$489,900 Two Family$627,150 Three Family$758,100 Four Family$942,100
Cumberland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Essex One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Gloucester One Family$477,250 Two Family$610,950 Three Family$738,500 Four Family$917,800
Hudson One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Hunterdon One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Mercer One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Middlesex One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Monmouth One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Morris One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Ocean One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Passaic One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Salem One Family$477,250 Two Family$610,950 Three Family$738,500 Four Family$917,800
Somerset One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Sussex One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Union One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Warren One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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