2026 loan limits for New Jersey and New York counties
For a one unit home in 2026 the conforming limit is $1,209,750 in the New York metro counties and $832,750 in Mercer County. The FHA limit is $1,249,125 in the metro counties and $541,287 in Mercer. The table shows every county and borough we cover, for one to four units.
What the limits mean
- Conforming limit: the largest loan Fannie Mae and Freddie Mac can buy. Above it, the loan is a jumbo loan.
- FHA limit: the largest loan FHA can insure in that county.
- VA loans have no limit for borrowers with full entitlement.
How to use the table
- Find the county the home is in, not the county you live in now.
- Use the column for the number of units in the building: one for a house, condo or co-op, two to four for multi family.
- The limit is for the loan amount, not the price. A bigger down payment can keep a loan under the limit.
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
- When do the 2027 limits come out?
- FHFA usually announces next year's conforming limits in late November. We update this page after the official file is published.
- Why is Mercer County different?
- Mercer County is in its own metro area, so it uses the national baseline limit instead of the higher New York metro limit.
- Does a co-op count as one unit?
- Yes. Loan limits for a co-op apartment, condo or single family house use the one unit column.
Official sources
- FHFA, Conforming Loan Limit Values ↗
- HUD, FHA Mortgage Limits ↗
- U.S. Department of Veterans Affairs, VA home loan limits ↗
Facts checked 2026-11-01. General information, not financial, legal or tax advice. We are not a lender.