FHA Loan Limits and USDA Eligibility in Passaic County, New Jersey
2026 FHA one-unit limit in Passaic County is $1,249,125. Two-unit is $1,599,375, three-unit is $1,933,200, and four-unit is $2,402,625. USDA 502 Guaranteed 1–4 person moderate income is $155,850. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for New Jersey
New Jersey one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for New Jersey
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EligibleIneligibleUSDA ineligible boundary
Passaic County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 07011 | $1,249,125 | $155,850 |
| 07012 | $1,249,125 | $155,850 |
| 07013 | $1,249,125 | $155,850 |
| 07014 | $1,249,125 | $155,850 |
| 07043 | $1,249,125 | $153,550 to $155,850 |
| 07055 | $1,249,125 | $155,850 |
| 07403 | $1,249,125 | $155,850 |
| 07420 | $1,249,125 | $155,850 |
| 07421 | $1,249,125 | $153,550 to $155,850 |
| 07424 | $1,249,125 | $155,850 |
| 07435 | $1,249,125 | $153,550 to $155,850 |
| 07438 | $1,249,125 | $153,550 to $155,850 |
| 07442 | $1,249,125 | $155,850 |
| 07456 | $1,249,125 | $155,850 |
| 07465 | $1,249,125 | $155,850 |
| 07470 | $1,249,125 | $155,850 |
| 07480 | $1,249,125 | $155,850 |
| 07501 | $1,249,125 | $155,850 |
| 07502 | $1,249,125 | $155,850 |
| 07503 | $1,249,125 | $155,850 |
| 07504 | $1,249,125 | $155,850 |
| 07505 | $1,249,125 | $155,850 |
| 07506 | $1,249,125 | $155,850 |
| 07508 | $1,249,125 | $155,850 |
| 07512 | $1,249,125 | $155,850 |
| 07513 | $1,249,125 | $155,850 |
| 07514 | $1,249,125 | $155,850 |
| 07522 | $1,249,125 | $155,850 |
| 07524 | $1,249,125 | $155,850 |