FHA Mortgage Loan Limits for Bergen County, New Jersey

Below are the 2021 loan limits for single family homes for Bergen County, New Jersey.

Single Family Home Loan Limits:

Conventional

$822,375

FHA Mortgage

$822,375

What's the Difference Between Conventional and FHA Loans?

A conventional mortgage is a loan that originates from a private lender and is not backed by the government. Loan qualification can be more challenging, but the loan limits are typically higher than FHA loan limits. As a result, a conventional loan provides more purchasing power.


FHA mortgage loans are typically easier to qualify for than a conventional loan as they are insured by the U.S. government. FHA loan limits are typically lower than conventional loans and must meet the official HUD minimum property standards. A great option for those with a higher risk profile, but purchasing power is reduced compared to a conventional loan.

Read more about the differences

What are FHA Loan Limits?

The Federal Housing Administration (FHA) establishes a maximum loan amount, or loan limit, that it will insure. This is known as the FHA lending limit. These loan limits are calculated and updated annually.

Learn more about how FHA loan limits impact home buyers

County Insights

Estimated Population (2018): 932,202


Cities and Towns:

  • Allendale, NJ
  • Alpine, NJ
  • Bergenfield, NJ
  • Bogota, NJ
  • Carlstadt, NJ
  • Cliffside Park, NJ
  • Closter, NJ
  • Cresskill, NJ
  • Demarest, NJ
  • Dumont, NJ
  • East Rutherford, NJ
  • Edgewater, NJ
  • Elmwood Park, NJ
  • Emerson, NJ
  • Englewood Cliffs, NJ
  • Fair Lawn, NJ
  • Fairview, NJ
  • Fort Lee, NJ
  • Franklin Lakes, NJ
  • Glen Rock, NJ
  • Harrington Park, NJ
  • Hasbrouck Heights, NJ
  • Haworth, NJ
  • Hillsdale, NJ
  • Ho-Ho-Kus, NJ
  • Leonia, NJ
  • Little Ferry, NJ
  • Lodi, NJ
  • Maywood, NJ
  • Midland Park, NJ
  • Montvale, NJ
  • Moonachie, NJ
  • New Milford, NJ
  • North Arlington, NJ
  • Northvale, NJ
  • Norwood, NJ
  • Oakland, NJ
  • Old Tappan, NJ
  • Oradell, NJ
  • Palisades Park, NJ
  • Paramus, NJ
  • Park Ridge, NJ
  • Ramsey, NJ
  • Ridgefield, NJ
  • River Edge, NJ
  • Rockleigh, NJ
  • Rutherford, NJ
  • Saddle River, NJ
  • Tenafly, NJ
  • Teterboro, NJ
  • Upper Saddle River, NJ
  • Waldwick, NJ
  • Wallington, NJ
  • Westwood, NJ
  • Woodcliff Lake, NJ
  • Wood-Ridge, NJ
  • Englewood, NJ
  • Garfield, NJ
  • Hackensack, NJ
  • Ramapough, NJ
  • Lyndhurst, NJ
  • Mahwah, NJ
  • River Vale, NJ
  • Rochelle Park, NJ
  • Saddle Brook, NJ
  • South Hackensack, NJ
  • Teaneck, NJ
  • Washington, NJ
  • Wyckoff, NJ
  • Ridgefield Park, NJ
  • Ridgewood, NJ


Details courtesy of County Insights


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