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FHA Mortgage Refinance rates in New Jersey

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3.500% Rate

FHA 30 Yr.

3.721% APR

$898 / month (est)

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Updated 9/21/2018

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4.750% Rate

FHA 30 Yr.

5.548% APR

$1,195 / month (est)

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Updated 9/23/2018

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4.750% Rate

FHA 30 Yr.

5.548% APR

$1,195 / month (est)

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Updated 9/23/2018

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New Jersey Mortgages

2018 FHA Loan Limits for New Jersey

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For New Jersey, 9 counties have an FHA loan limit that range from $294,515 to $414,000 and 12 counties are at $679,650.

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.

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 2018 FHA loan limits for each county in New Jersey are below.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Atlantic$316,250$404,850$489,350$608,150
Bergen$679,650$870,225$1,051,875$1,307,175
Burlington$385,250$493,200$596,150$740,850
Camden$385,250$493,200$596,150$740,850
Cape May$414,000$530,000$640,650$796,150
Cumberland$294,515$377,075$455,800$566,425
Essex$679,650$870,225$1,051,875$1,307,175
Gloucester$385,250$493,200$596,150$740,850
Hudson$679,650$870,225$1,051,875$1,307,175
Hunterdon$679,650$870,225$1,051,875$1,307,175
Mercer$345,000$441,650$533,850$663,450
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$385,250$493,200$596,150$740,850
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$372,600$477,000$576,550$716,550