VA Loan Limits in Passaic County, New Jersey (2026)
For 2026, the VA loan limit in Passaic County is $832,750 for a single-family home — the cap that applies to veterans with partial entitlement. Most of the Mid-Atlantic uses this same baseline.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $832,750 |
| Two-unit (duplex) | $1,066,150 |
| Three-unit (triplex) | $1,288,800 |
| Four-unit (fourplex) | $1,601,650 |
VA affordability around Passaic County
A VA buyer near Passaic County can put $0 down on a $541,000 home. Add the one-time funding fee (~$11,631, financed), skip mortgage insurance entirely, and the monthly cost runs about $4,633 at 6.25%.
$0-down VA payment scenarios in Passaic County
Here is how a $0-down VA payment scales across Passaic County price points (funding fee financed, no PMI, sample 6.25% rate):
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $390,000 | $0 | $3,372 |
| Local median — $541,000 | $0 | $4,633 |
| Higher-end — $730,000 | $0 | $6,211 |
Estimates include the financed funding fee plus New Jersey property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near Passaic County too — get alerts.
VA multi-unit limits in Passaic County
VA also finances 2-4 unit homes in Passaic County with $0 down if you live in one unit — $1,066,150 for a duplex, $1,288,800 for a triplex, and $1,601,650 for a fourplex (partial-entitlement caps). Rent from the other units can help you qualify.
VA Alerts, Free to Your Inbox
VA rates move daily and an IRRRL can save thousands. We will tell you the moment it makes sense.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the VA loan limit in Passaic County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Passaic County is $832,750 (one unit), $1,066,150 (duplex), $1,288,800 (triplex), and $1,601,650 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Passaic County?
- Eligible veterans can buy with no down payment at all. On a median $541,000 Passaic County home that is $0 down, with a one-time funding fee of about $11,631 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Passaic County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Passaic County a high-cost VA county?
- No — Passaic County uses the $832,750 national conforming baseline for partial entitlement.