FHA loan New Jersey

FHA loan New Jersey


COUNTY

ATLANTIC

BERGEN

BURLINGTON

CAMDEN

CAPE MAY

CUMBERLAND

ESSEX

ONE FAMILY

$316,250

$625,500

$379,500

$379,500

$414,000

$271,050

$625,500

TWO FAMILY

$404,850

$800,775

$485,800

$485,800

$530,000

$347,000

$800,775

THREE FAMILY

$489,350

$967,950

$587,250

$587,250

$640,650

$419,425

$967,950


FHA loan New Jersey

FHA allows a home buyer to make a down payment of 3.5% and a seller contribution of up to 6% for closing costs with only a 580 minimum credit score. First time home buyer with credit score below 580 must make a minimum 10% down payment of the purchase price and a seller concession of up to 6% to pay for closing cost is allowed.

FHA requires a minimum down payment of 3.50% of the purchase price. The funds may be the borrower's own funds, a gift from a family member, rent credit or borrowed. FHA regulates some of the closing costs associated with a FHA loan.


COUNTY

GLOUCESTER

HUDSON

HUNTERDON

MERCER

MIDDLESEX

MONMOUTH

MORRIS

ONE FAMILY

$379,500

$625,500

$625,500

$345,000

$625,500

$625,500

$625,500

TWO FAMILY

$485,800

$800,775

$800,775

$441,650

$800,775

$800,775

$800,775

THREE FAMILY

$587,250

$967,950

$967,950

$533,850

$967,950

$967,950

$967,950


Absecon, NJ
Adelphia, NJ
Allamuchy, NJ
Allendale, NJ
Allenhurst, NJ
Allentown, NJ
Allenwood, NJ
Alloway, NJ
Alpine, NJ
Andover, NJ
Annandale, NJ
Asbury, NJ
Asbury Park, NJ
Atco, NJ
Atlantic City, NJ
Atlantic Highlands, NJ
Audubon, NJ
Augusta, NJ
Avalon, NJ
Avenel, NJ
Avon By The Sea, NJ

Baptistown, NJ
Barnegat, NJ
Barnegat Light, NJ
Barrington, NJ
Basking Ridge, NJ
Bass River, NJ
Bayonne, NJ
Bayville, NJ
Beach Haven, NJ
Beachwood, NJ
Bedminster, NJ
Belford, NJ
Belle Mead, NJ
Belleville, NJ
Bellmawr, NJ
Belmar, NJ
Belvidere, NJ
Bergenfield, NJ
Berkeley, NJ
Berkeley Heights, NJ
Berlin, NJ
Bernards, NJ
Bernardsville, NJ
Beverly, NJ
Birmingham, NJ
Blackwood, NJ
Blairstown, NJ
Blawenburg, NJ
Bloomfield, NJ
Bloomingdale, NJ
Bloomsbury, NJ
Bogota, NJ
Boonton, NJ
Bordentown, NJ
Bound Brook, NJ
Bradley Beach, NJ
Branchville, NJ
Brick, NJ
Bridgeport, NJ
Bridgeton, NJ
Bridgewater, NJ
Brielle, NJ
Brigantine, NJ
Broadway, NJ
Brookside, NJ
Browns Mills, NJ
Budd Lake, NJ
Buena, NJ
Burlington, NJ
Butler, NJ
Buttzville, NJ

Caldwell, NJ
Califon, NJ
Camden, NJ
Cape May, NJ
Cape May Court House, NJ
Cape May Point, NJ
Carlstadt, NJ
Carteret, NJ
Cedar Brook, NJ
Cedar Grove, NJ
Cedar Knolls, NJ
Cedarville, NJ
Changewater, NJ
Chatham, NJ
Chatsworth, NJ
Cherry Hill, NJ
Chester, NJ
Clark, NJ
Clarksboro, NJ
Clarksburg, NJ
Clayton, NJ
Clementon, NJ
Cliffside Park, NJ
Cliffwood, NJ
Clifton, NJ
Clinton, NJ
Closter, NJ
Collingswood, NJ
Cologne, NJ
Colonia, NJ
Colts Neck, NJ
Columbia, NJ
Columbus, NJ
Cookstown, NJ
Cranbury, NJ
Cranford, NJ
Cream Ridge, NJ
Cresskill, NJ
Crosswicks, NJ

Dayton, NJ
Deal, NJ
Deepwater, NJ
Deerfield Street, NJ
Delaware, NJ
Delmont, NJ
Demarest, NJ
Dennisville, NJ
Denville, NJ
Dividing Creek, NJ
Dorchester, NJ
Dorothy, NJ
Dover, NJ
Downe, NJ
Dumont, NJ
Dunellen, NJ

East Amwell, NJ
East Brunswick, NJ
East Hanover, NJ
East Orange, NJ
East Rutherford, NJ
Eatontown, NJ
Edgewater, NJ
Edison, NJ
Egg Harbor City, NJ
Egg Harbor Township, NJ
Elizabeth, NJ
Elmer, NJ
Elmwood Park, NJ
Elwood, NJ
Elwood-Magnolia, NJ
Emerson, NJ
Englewood, NJ
Englewood Cliffs, NJ
Englishtown, NJ
Essex Fells, NJ
Estell Manor, NJ
Ewan, NJ

Fair Haven, NJ
Fair Lawn, NJ
Fairfield, NJ
Fairton, NJ
Fairview, NJ
Fanwood, NJ
Far Hills, NJ
Farmingdale, NJ
Flagtown, NJ
Flanders, NJ
Flemington, NJ
Florence, NJ
Florham Park, NJ
Fords, NJ
Forked River, NJ
Fort Lee, NJ
Fort Monmouth, NJ
Fortescue, NJ
Franklin, NJ
Franklin Lakes, NJ
Franklin Park, NJ
Franklinville, NJ
Freehold, NJ
Frenchtown, NJ

Garfield, NJ
Garwood, NJ
Gibbsboro, NJ
Gibbstown, NJ
Gillette, NJ
Gladstone, NJ
Glassboro, NJ
Glasser, NJ
Glen Gardner, NJ
Glen Ridge, NJ
Glen Rock, NJ
Glendora, NJ
Glenwood, NJ
Gloucester City, NJ
Goshen, NJ

Great Meadows, NJ
Great Meadows-Vienna, NJ
Green Creek, NJ
Green Village, NJ
Greendell, NJ
Greenwich, NJ
Grenloch, NJ

Hackensack, NJ
Hackettstown, NJ
Haddon Heights, NJ
Haddonfield, NJ
Hainesport, NJ
Haledon, NJ
Hamburg, NJ
Hammonton, NJ
Hampton, NJ
Hancocks Bridge, NJ
Hardyston, NJ
Harrington Park, NJ
Harrison, NJ
Harrisonville, NJ
Hasbrouck Heights, NJ
Haskell, NJ
Haworth, NJ
Hawthorne, NJ
Hazlet, NJ
Heislerville, NJ
Helmetta, NJ
Hewitt, NJ
Hibernia, NJ
High Bridge, NJ
Highland Lakes, NJ
Highland Park, NJ
Highlands, NJ
Hightstown, NJ
Hillsdale, NJ
Hillside, NJ
Ho Ho Kus, NJ
Ho-Ho-Kus, NJ
Hoboken, NJ
Holmdel, NJ
Hopatcong, NJ
Hope, NJ
Hopewell, NJ
Howell, NJ

Imlaystown, NJ
Ironia, NJ
Irvington, NJ
Iselin, NJ
Island Heights, NJ

Jackson, NJ
Jamesburg, NJ
Jersey City, NJ
Jobstown, NJ
Johnsonburg, NJ
Juliustown, NJ

Keansburg, NJ
Kearny, NJ
Keasbey, NJ
Kendall Park, NJ
Kenilworth, NJ
Kenvil, NJ
Keyport, NJ
Kingston, NJ

Lafayette, NJ
Lake Hiawatha, NJ
Lake Hopatcong, NJ
Lakehurst, NJ
Lakewood, NJ
Lambertville, NJ
Landing, NJ
Landisville, NJ
Lanoka Harbor, NJ
Lavallette, NJ
Lawnside, NJ
Layton, NJ
Lebanon, NJ
Ledgewood, NJ
Leeds Point, NJ
Leesburg, NJ
Leonardo, NJ
Leonia, NJ
Liberty Corner, NJ
Lincoln Park, NJ
Lincroft, NJ
Linden, NJ
Linwood, NJ
Little Falls, NJ
Little Ferry, NJ
Little Silver, NJ
Little York, NJ
Livingston, NJ
Lodi, NJ
Long Branch, NJ
Long Valley, NJ
Longport, NJ
Lumberton, NJ
Lyndhurst, NJ
Lyons, NJ

Madison, NJ
Magnolia, NJ
Mahwah, NJ
Malaga, NJ
Manahawkin, NJ
Manasquan, NJ
Mantoloking, NJ

Mantua, NJ
Manville, NJ
Maple Shade, NJ
Maplewood, NJ
Margate City, NJ
Marlboro, NJ
Marlton, NJ
Marmora, NJ
Martinsville, NJ
Matawan, NJ
Maurice River, NJ
Mauricetown, NJ
Mays Landing, NJ
Maywood, NJ
McAfee, NJ
Medford, NJ
Mendham, NJ
Merchantville, NJ
Metuchen, NJ
Mickleton, NJ
Middlesex, NJ
Middletown, NJ
Middleville, NJ
Midland Park, NJ
Milford, NJ
Millburn, NJ
Millington, NJ
Millstone, NJ
Milltown, NJ
Millville, NJ
Milmay, NJ
Mine Hill, NJ
Minotola, NJ
Mizpah, NJ
Monmouth Beach, NJ
Monmouth Junction, NJ
Monroeville, NJ
Montague, NJ
Montclair, NJ
Montvale, NJ
Montville, NJ
Moonachie, NJ
Moorestown, NJ
Morganville, NJ
Morris Plains, NJ
Morristown, NJ
Mount Arlington, NJ
Mount Ephraim, NJ
Mount Freedom, NJ
Mount Holly, NJ
Mount Laurel, NJ
Mount Royal, NJ
Mount Tabor, NJ
Mountain Lakes, NJ
Mountainside, NJ
Mullica Hill, NJ

National Park, NJ
Navesink, NJ
Neptune, NJ
Neshanic Station, NJ
Netcong, NJ
New Brunswick, NJ
New Egypt, NJ
New Gretna, NJ
New Lisbon, NJ
New Milford, NJ
New Providence, NJ
New Vernon, NJ
New York, NJ
Newark, NJ
Newfield, NJ
Newfoundland, NJ
Newport, NJ
Newton, NJ
Newtonville, NJ
Norma, NJ
Normandy Beach, NJ
North Arlington, NJ
North Bergen, NJ
North Brunswick, NJ
Northfield, NJ
Northvale, NJNorwood, NJ
Nutley, NJ

Oak Ridge, NJ
Oakhurst, NJ
Oakland, NJ
Oaklyn, NJ
Ocean City, NJ
Ocean Gate, NJ
Ocean Grove, NJ
Ocean View, NJ
Oceanport, NJ
Oceanville, NJ
Ogdensburg, NJ
Old Bridge, NJ
Oldwick, NJ
Oradell, NJ
Orange, NJ
Oxford, NJ

Palisades Park, NJ
Palmyra, NJ
Paramus, NJ
Park Ridge, NJ
Parlin, NJ
Parsippany, NJ
Passaic, NJ
Paterson, NJ
Paulsboro, NJ
Peapack, NJ
Peapack NJ
Pedricktown, NJ
Pemberton, NJ
Pennington, NJ
Penns Grove, NJ
Pennsauken, NJ
Pennsville, NJ
Pequannock, NJ
Perrineville, NJ
Perth Amboy, NJ
Phillipsburg, NJ
Picatinny Arsenal, NJ
Pine Beach, NJ
Pine Brook, NJ
Piscataway, NJ
Pitman, NJ
Pittstown, NJ
Plainfield, NJ
Plainsboro, NJ
Pleasantville, NJ
Pluckemin, NJ
Point Pleasant Beach, NJ
Pomona, NJ
Pompton Lakes, NJ
Pompton Plains, NJ
Port Elizabeth, NJ
Port Monmouth, NJ
Port Murray, NJ
Port Norris, NJ
Port Reading, NJ
Port Republic, NJ
Pottersville, NJ
Princeton, NJ
Princeton Junction, NJ

Quakertown, NJ
Quinton, NJ

Rahway, NJ
Ramsey, NJ
Rancocas, NJ
Randolph, NJ
Raritan, NJ
Readington, NJ
Red Bank, NJ
Richland, NJ
Richwood, NJ
Ridgefield, NJ
Ridgefield Park, NJ
Ridgewood, NJ
Ringoes, NJ
Ringwood, NJ
Rio Grande, NJ
River Edge, NJ
Riverdale, NJ
Riverside, NJ
Riverton, NJ
Rochelle Park, NJ
Rockaway, NJ
Rocky Hill, NJ
Roebling, NJ
Roosevelt, NJ
Roseland, NJ
Roselle, NJ
Roselle Park, NJ
Rosemont, NJ
Rosenhayn, NJ
Rumson, NJ
Runnemede, NJ
Rutherford, NJ

Saddle Brook, NJ
Saddle River, NJ
Salem, NJ
Sayreville, NJ
Schooleys Mountain, NJ
Scotch Plains, NJ
Sea Girt, NJ
Sea Isle City, NJ
Seaside Heights, NJ
Seaside Park, NJ
Secaucus, NJ
Sergeantsville, NJ
Sewaren, NJ
Sewell, NJ
Shiloh, NJ
Short Hills, NJ
Shrewsbury, NJ
Sicklerville, NJ
Skillman, NJ
Somerdale, NJ
Somers Point, NJ
Somerset, NJ
Somerville, NJ
South Amboy, NJ
South Bound Brook, NJ
South Dennis, NJ
South Hackensack, NJ
South Orange, NJ
South Plainfield, NJ
South River, NJ
South Seaville, NJ
Sparta, NJ
Spotswood, NJ
Spring Lake, NJ
Springfield, NJ
Stanhope, NJ
Stanton, NJ
Stewartsville, NJ
Stillwater, NJ
Stirling, NJ
Stockholm, NJ
Stockton, NJ
Stone Harbor, NJ
Stratford, NJ
Strathmere, NJ
Succasunna, NJ
Summit, NJ
Sussex, NJ
Swartswood, NJ
Swedesboro, NJ

Teaneck, NJ
Tenafly, NJ
Tennent, NJ
Teterboro, NJ
Thorofare, NJ
Three Bridges, NJ
Titusville, NJ
Toms River, NJ
Totowa, NJ
Towaco, NJ
Tranquility, NJ
Trenton, NJ
Tuckahoe, NJ
Tuckerton, NJ

Union, NJ
Union City, NJ

Vauxhall, NJ
Ventnor City, NJ
Vernon, NJ
Verona, NJ
Vienna, NJ
Villas, NJ
Vincentown, NJ
Vineland, NJ
Voorhees, NJ

Waldwick, NJ
Wallington, NJ
Wallpack Center, NJ
Wanaque, NJ
Waretown, NJ
Warren, NJ
Washington, NJ
Watchung, NJ
Waterford Works, NJ
Wayne, NJ
Wenonah, NJ
West Berlin, NJ
West Creek, NJ
West Long Branch, NJ
West Milford, NJ
West New York, NJ
West Orange, NJ
West Paterson, NJ
Westfield, NJ
Westville, NJ
Westwood, NJ
Wharton, NJ
Whippany, NJ
Whitehouse, NJ
Whitehouse Station, NJ
Whitesboro, NJ
Whiting, NJ
Wickatunk, NJ
Wildwood, NJ
Williamstown, NJ
Willingboro, NJ
Windsor, NJ
Winslow, NJ
Wood Ridge, NJ
Woodbine, NJ
Woodbridge, NJ
Woodbury, NJ
Woodbury Heights, NJ
Woodcliff Lake, NJ
Woodstown, NJ
Wrightstown, NJ
Wyckoff, NJ

Zarephath, NJ


FHA loan New Jersey

  • Atlantic 
  • Bergen
  • Burlington
  • Camden
  • Cape May
  • Cumberland
  • Essex
  • Gloucester
  • Hudson
  • Hunterdon
  • Mercer
  • Middlesex
  • Monmouth
  • Morris
  • Ocean
  • Passaic
  • Salem
  • Somerset
  • Sussex
  • Union
  • Warren

January 20, 2010 - FHA announced a new policy to address risk.

FHA has changed the minimum credit score for new borrowers:

  • FHA requirements new borrowers will now be required to have a minimum credit score of 580 to qualify for 3.5% down payment
  • FHA loan requirements new borrowers with less than a 580 credit score will be required to put down at least 10%
  • This has allowed the FHA to better balance its risk and continue to provide financing for home buyers

August 15, 2013 - New borrowers may also be eligible for an FHA insured loan on a purchase transaction after 12 months from the completion, discharge, trustee's sale if the borrower meets the requirements for extenuating circumstances Economic Event.

Borrowers with a prior bankruptcy, foreclosure, deed-in-lieu, or short sale may be eligible for an FHA insured loan if the bankruptcy, foreclosure, deed-in-lieu, short sale was the result of a documented extenuating circumstance.

October 15, 2013 - New FHA does not require collection accounts to be paid off as a condition of mortgage approval. However, FHA does recognize that collection efforts by the creditor for unpaid collections could affect the borrower’s ability to repay the mortgage.

  • If evidence of a payment arrangement is not available, the lender must calculate the monthly payment using 5% of the outstanding balance of each collection, and include the monthly payment in the borrower’s debt-to-income ratio.

COUNTY

OCEAN

PASSAIC

SALEM

SOMERSET

SUSSEX

UNION

WARREN

ONE FAMILY

$625,500

$625,500

$379,500

$625,500

$625,500

$625,500

$372,600

TWO FAMILY

$800,775

$800,775

$485,800

$800,775

$800,775

$800,775

$477,000

THREE FAMILY

$967,950

$967,950

$587,250

$967,950

$967,950

$967,950

$576,550


HUD homes for sale in New Jersey - FHA loan New Jersey, Credit score FHA loan New Jersey, Down payment FHA loan New Jersey, 203k FHA loan New Jersey, Streamline FHA loan New Jersey, Closing cost FHA loan New Jersey, Mortgage rates FHA loan New Jersey, First time home buyer FHA loan New Jersey, How to qualify for FHA loan New Jersey, What credit score is needed to buy a house FHA loan New Jersey, FHA loan New Jersey,


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What's the minimum score needed to buy a house or refinance


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FHA loans

FHA requires a minimum 500 credit score to buy a house or refinance

500 credit score

VA loans

VA requires a minimum 500 credit score to buy a house or refinance

500 credit score

USDA loans

USDA requires a minimum 580 credit score to buy a house or refinance

580 credit score

Fannie Mae

Fannie Mae requires a minimum 620 credit score to buy a house 

620 credit score

Freddie Mac

Freddie Mac requires a minimum 620 credit score to buy a house

620 credit score

HARP refinance

HARP requires no minimum credit score to refinance

No minimum credit score


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