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Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Current FHA Mortgage Rates in NJ - New Jersey FHA mortgage

New Jersey Mortgages

2025 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 2025 FHA loan limits for each county in New Jersey are below.

Select County
County Name One Family Two Family Three Family Four Family
Atlantic One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bergen One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Burlington One Family$594,550 Two Family$761,150 Three Family$920,050 Four Family$1,143,400
Camden One Family$594,550 Two Family$761,150 Three Family$920,050 Four Family$1,143,400
Cape May One Family$667,000 Two Family$853,900 Three Family$1,032,150 Four Family$1,282,700
Cumberland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Essex One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Gloucester One Family$594,550 Two Family$761,150 Three Family$920,050 Four Family$1,143,400
Hudson One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Hunterdon One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Mercer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Middlesex One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Monmouth One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Morris One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Ocean One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Passaic One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Salem One Family$594,550 Two Family$761,150 Three Family$920,050 Four Family$1,143,400
Somerset One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Sussex One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Union One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Warren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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