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2026 Union County, NJ Loan Limits
Conforming and FHA limits for one- to four-unit homes
- Conforming limit, 2026
- $1,209,750
- High-cost area
Conforming loan limits, 2026
Federal Housing Finance Agency (Fannie Mae and Freddie Mac)
| Home size | Loan limit |
|---|---|
| 1 unit | $1,209,750 |
| 2 units | $1,548,975 |
| 3 units | $1,872,225 |
| 4 units | $2,326,875 |
Frequently asked questions
- What is the conforming loan limit in Union County?
- In 2026, the conforming loan limit in Union County, NJ is $1,209,750 for a one-unit home, $1,548,975 for two units, $1,872,225 for three units and $2,326,875 for four units.
- What is a jumbo loan?
- A mortgage larger than the conforming limit for the county is usually called a jumbo loan. In Union County, that means a one-unit loan above $1,209,750 in 2026.
Source: Federal Housing Finance Agency; U.S. Department of Housing and Urban Development · 2026 limits