FHA Loan Limits and USDA Eligibility in Union County, New Jersey
2026 FHA one-unit limit in Union 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 $153,550. 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
Union 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 |
|---|---|---|
| 07016 | $1,249,125 | $153,550 |
| 07023 | $1,249,125 | $153,550 |
| 07027 | $1,249,125 | $153,550 |
| 07033 | $1,249,125 | $153,550 |
| 07036 | $1,249,125 | $153,550 |
| 07060 | $1,249,125 | $153,550 to $166,600 |
| 07062 | $1,249,125 | $153,550 to $166,600 |
| 07063 | $1,249,125 | $153,550 to $166,600 |
| 07065 | $1,249,125 | $153,550 |
| 07066 | $1,249,125 | $153,550 |
| 07075 | $1,249,125 | $155,850 |
| 07076 | $1,249,125 | $153,550 |
| 07081 | $1,249,125 | $153,550 |
| 07083 | $1,249,125 | $153,550 |
| 07088 | $1,249,125 | $153,550 |
| 07090 | $1,249,125 | $153,550 |
| 07092 | $1,249,125 | $153,550 |
| 07106 | $1,249,125 | $153,550 |
| 07201 | $1,249,125 | $153,550 |
| 07202 | $1,249,125 | $153,550 |
| 07203 | $1,249,125 | $153,550 |
| 07204 | $1,249,125 | $153,550 |
| 07205 | $1,249,125 | $153,550 |
| 07206 | $1,249,125 | $153,550 |
| 07208 | $1,249,125 | $153,550 |
| 07901 | $1,249,125 | $153,550 |
| 07922 | $1,249,125 | $153,550 |
| 07974 | $1,249,125 | $153,550 |