New Jersey 21-County 2026 High-Balance Conforming and FHA Loan Limits
New Jersey is split down the middle by federal loan limit geography. Twelve counties fall inside the New York-Newark-Jersey City…
MARKET RATE DESK
Payment Snapshot
Enter a home price from $1 to $100 million, a down payment from 0–100%, and an interest rate from 0–30%.
Estimated Total Monthly Payment
Principal & Interest$1,593/moEst. Property Tax & Insurance$300/moLoan Amount$252,000
Full Calculator →Snapshot uses annual property tax of 1% of home price and $800/year for homeowners insurance. HOA fees and mortgage insurance are not included; personalize those costs in the full calculator.
Compare Current Mortgage Rates
Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.
NJHMFA Down Payment Assistance and First-Generation Buyer Loans in 2026
The gap between qualifying for a New Jersey mortgage and actually having cash at the table is where most first-time buyers stall.…
Loan Programs & Buyer Guides
New Jersey VA Home Loans: Joint Base McGuire-Dix-Lakehurst and Disabled Veteran Tax Exemptions
A service member buying near Joint Base McGuire-Dix-Lakehurst may compare homes in Burlington, Ocean and neighboring counties with…
New Jersey Condo and Townhome Underwriting: Reserve Rules and Master Policies
A townhome in Morris County can look like a single-family house while legally belonging to a condominium association. That…
Underwriting & Qualification
New Jersey Jumbo Mortgages: Reserve Tiers, Bonus Income and NYC Commuters
A $1.4 million Bergen County purchase does not automatically require a jumbo mortgage. With a $200,000 down payment, the $1.2…
USDA Zero-Down Rural Loans in Western and Southern New Jersey Counties
A home in Warren, Sussex or Salem County may qualify for USDA financing, but county names alone do not establish eligibility. The…
Montclair, Maplewood and South Orange Mortgages: Midtown Direct Taxes and High-Balance Loans
A station-area home in Montclair, Maplewood or South Orange can stretch a budget through taxes and maintenance even when the…
Bloomfield, Nutley and Belleville Homebuyers: NJHMFA, FHA and Two-Family Options
First-time buyers in Bloomfield, Nutley and Belleville often compare a smaller single-family home with a two-family that could…
Refinance, Home Equity & HELOC Desk
New Jersey HELOC, Home Equity Loans and Rate-and-Term Refinance Math
A New Jersey homeowner with a favorable first-mortgage rate may need $75,000 for renovations without wanting to refinance the…
Rates, APR & Closing Costs Desk
New Jersey Quarterly Property Taxes, Equalization Ratios and Escrow Cushions
New Jersey property taxes do not behave like the monthly line item buyers expect. They bill four times a year, due February 1, May…
How New Jersey ANCHOR and Stay NJ Relief Interact With Your Mortgage Budget
New Jersey relief programs lower your net property tax burden, but almost none of them lower your escrow payment. That distinction…
Choosing FHA or Conventional in New Jersey When Property Taxes Stretch DTI
A $600,000 New Jersey purchase with $14,400 in annual property taxes carries $1,200 in monthly taxes before principal, interest,…
Jersey Shore Flood Zones, CAFRA Rules and Mortgage Insurance Escrows
Two similarly priced Jersey Shore homes can produce very different mortgage payments once flood coverage, wind deductibles and…
Regional Real Estate & Surrounding Communities
All Service Areas →Run the Numbers
Monthly Mortgage Payment Calculator
Calculate your total monthly PITI payment including principal, interest, property taxes, homeowners insurance, and PMI.
Launch Tool →Home Equity & HELOC Calculator
Estimate your available borrowing power and combined loan-to-value (CLTV) ratio for a home equity loan or HELOC.
Launch Tool →Mortgage Refinance Savings Calculator
Compare your current mortgage against today's rates to estimate monthly payment savings and lifetime interest reduction.
Launch Tool →Closing Cost Estimator
Itemize estimated lender origination fees, title insurance, appraisal charges, and prepaid tax and insurance escrow reserves.
Launch Tool →Mortgage Amortization Schedule Calculator
View your year-by-year principal and interest payoff breakdown and see how extra monthly payments shorten your loan term.
Launch Tool →ARM vs. Fixed-Rate Mortgage Calculator
Compare initial adjustable-rate payments and future rate caps against the stability of a 30-year fixed loan.
Launch Tool →1. Compare Live Rates & APRs
Review current interest rates, APRs, upfront points, and estimated monthly payments from participating lenders in our live rate table.
2. Estimate Your Full Monthly Payment
Use our free PITI, closing cost, and home equity calculators to model property taxes, homeowners insurance, and down payment scenarios.
3. Choose the Right Loan Program
Compare Conventional, FHA, VA, USDA, and state down payment assistance requirements before locking your rate with a lender.
Loan Program Comparison: 2026 Benchmarks
Jersey Parcel Notes Mortgage Planning — Choose a mortgage by comparing eligibility, upfront cash and total monthly costs, not the advertised rate alone. Conventional, FHA, VA and USDA serve different borrowers. Confirm county limits, taxes, insurance and lender requirements before comparing personalized Loan Estimates for your household.
Historical 2025 one-unit comparison: conforming $806,500; FHA floor $524,225. County and unit-count limits can differ.
| Loan program | Down payment / equity | 2026 one-unit baseline | Costs and page-specific comparison |
|---|---|---|---|
| Conventional | 3%–5% subject to eligibility | $832,750 | PMI generally below 20% down |
| FHA | 3.5% at 580+; 10% at 500–579 | $541,287 floor | 1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years |
| VA | 0% for eligible borrowers | No VA limit with full entitlement | No monthly PMI; funding fee unless exempt |
| USDA | 0% for eligible borrowers | Income, address and repayment eligibility | Guarantee and annual fees; confirm current schedule |
| Jumbo | Lender-specific cash and reserves | Above applicable conforming limit | Lender-specific pricing and insurance |
| Home Equity / Refinance | Equity and underwriting dependent | Property and lender dependent | Compare closing costs, term and break-even |
Sources: FHFA limits; HUD FHA limits.
Editorial Methodology & Primary Sources
Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.
Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.
Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)−n), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.
- Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
- U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
- U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
- U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.
The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.