FHA loans in New Jersey and New York
An FHA loan lets you buy with as little as 3.5% down if your credit score is 580 or higher. In 2026 the FHA limit for a one unit home is $1,249,125 in the New York metro counties we cover and $541,287 in Mercer County.
How FHA works
- FHA insures the loan. You still borrow from a lender approved by FHA.
- You pay an upfront mortgage insurance premium and a monthly premium.
- The home must be your main residence.
Condos and co-ops
- A condo usually must be on the FHA approved list, or qualify for single unit approval. Ask the lender to check the building early.
- FHA loans for co-ops are rare. Most co-op buyers use conventional or SONYMA loans.
2026 loan limits by county
Official limits for loans made in 2026. Conforming limits are from FHFA. FHA limits are from HUD.
| County or borough | State | Conforming limit | FHA limit |
|---|---|---|---|
| Bergen County | New Jersey | $1,209,750 | $1,249,125 |
| Hudson County | New Jersey | $1,209,750 | $1,249,125 |
| Essex County | New Jersey | $1,209,750 | $1,249,125 |
| Passaic County | New Jersey | $1,209,750 | $1,249,125 |
| Union County | New Jersey | $1,209,750 | $1,249,125 |
| Morris County | New Jersey | $1,209,750 | $1,249,125 |
| Middlesex County | New Jersey | $1,209,750 | $1,249,125 |
| Mercer County | New Jersey | $832,750 | $541,287 |
| Queens | New York | $1,209,750 | $1,249,125 |
| Brooklyn | New York | $1,209,750 | $1,249,125 |
| Manhattan | New York | $1,209,750 | $1,249,125 |
| Staten Island | New York | $1,209,750 | $1,249,125 |
| Westchester County | New York | $1,209,750 | $1,249,125 |
| Nassau County | New York | $1,209,750 | $1,249,125 |
One unit homes shown. Two to four unit limits are in the official files linked below. A loan above the conforming limit is a jumbo loan. Checked against the official files on 2026-11-01.
Questions people ask
- What is the FHA limit in Queens or Brooklyn in 2026?
- $1,249,125 for a one unit home, the same across all five boroughs, per HUD.
- Can I use FHA for a two to four family house?
- Yes, if you live in one of the units. The limits for two, three and four units are in the table on this page.
Official sources
Facts checked 2026-11-01. General information, not financial, legal or tax advice. We are not a lender.