VA Loan Limits in New Jersey (2026)
For 2026, the VA county loan limit for most New Jersey counties is $832,750 for a single-family home — but only for veterans with partial entitlement. 6 higher-cost New Jersey counties go above that, up to $1,249,125.
With full VA entitlement, there is no loan limit in New Jersey — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in New Jersey
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Bergen County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Essex County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Middlesex County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Hudson County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Ocean County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Monmouth County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Camden County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Union County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Passaic County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Morris County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Burlington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Mercer County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Somerset County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Gloucester County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Atlantic County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cumberland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sussex County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hunterdon County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Warren County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cape May County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
New Jersey's median home price is roughly $520,000. With $0 down and no PMI, an example VA payment near that price is about $4,458/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in New Jersey
The VA home-loan benefit lets eligible New Jersey veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in New Jersey for 2026?
- With full entitlement, none. For partial entitlement, most New Jersey counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in New Jersey require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.