Home / Where we lend / New Jersey / Cumberland County
South Jersey · New JerseyMortgage lender in Cumberland County, NJ
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in New Jersey and makes purchase and refinance loans in Cumberland County: conventional, FHA, VA, USDA, jumbo and non-QM. Files are handled from our Hamilton, NJ office by a licensed loan officer you can reach directly. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
From Bridgeton to Bridgeton: what changes locally, what does not, and how to find out in fifteen minutes what you actually qualify for.
Buying in Cumberland County
Cumberland County, with its county seat in Bridgeton, takes in Vineland, Millville and Bridgeton. Stellar lends across all of New Jersey, and Cumberland County files are handled from our Hamilton, NJ office by a licensed officer you can reach directly.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $541,287 (one-unit, set by HUD)
- Above that
- Jumbo pricing
- Closing handled by
- attorney
- State housing agency
- NJHMFA (participating lender)
- Your office
- Hamilton, NJ
2026 limits for a one-unit property. Cumberland County is not designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Cumberland County. Loans above it are jumbo, which means tighter reserves and different pricing.
Cumberland County: Vineland, Millville and Bridgeton
Cumberland County centers on three small cities: Vineland, the largest, Millville, and Bridgeton, the county seat. Around them are farm townships such as Upper Deerfield, Hopewell, Fairfield and Lawrence, and along the Delaware Bay the fishing villages of Fortescue and Port Norris.
Home prices here are among the lowest in New Jersey, which is why FHA loans and NJHMFA assistance fit so many first-time buyers in the county. Outside the cities, private wells and septic systems are the norm and many addresses fall inside the USDA eligibility map, which we check by address. Along the bayshore and the Maurice and Cohansey rivers, some properties sit in a mapped flood zone, so we pull the flood determination before you commit.
Cumberland County by the numbers
- Median home value
- $221,400 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 2.28% of home value a year: median tax bill $5,052 on a median value of $221,400 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- Realty Transfer Fee on a graduated schedule per $500 of the price, charged to the seller (New Jersey Division of Taxation)
- Largest communities
- Vineland, Millville, Bridgeton, Upper Deerfield Township (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $221,400. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in New Jersey
Closings in New Jersey are typically handled by an attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the New Jersey page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions Cumberland County buyers ask
Does Stellar Mortgage lend in Cumberland County, NJ?
Yes. Stellar Mortgage Corporation is licensed in New Jersey and lends in all 21 counties, including Cumberland County. Our New Jersey office is in Hamilton, Mercer County, and every file is handled by a licensed loan officer with a direct line.
What is the 2026 conforming loan limit in Cumberland County?
For 2026 the one-unit conforming limit in Cumberland County is $832,750, the FHFA baseline. Loans above that are jumbo, which brings tighter reserve and credit requirements. FHA limits are set separately by HUD and are usually lower; we check both for the property address before quoting.
Is there down payment assistance for first-time buyers in Cumberland County?
NJHMFA, the state housing agency, offers first mortgages paired with down payment and closing cost assistance for eligible New Jersey buyers, and Stellar is an approved NJHMFA lender. Income and purchase price limits are set by county and change periodically, so we confirm the current Cumberland County figures on your file rather than quoting them here. Some counties and municipalities run their own programs as well; ask your officer what is funded right now.
How fast can I get pre-approved to buy in Cumberland County?
Once we have your application, credit, and the documents on our checklist, most buyers have a letter within one to two business days. If you have already found a home in Vineland or anywhere else in Cumberland County and are writing an offer, tell us on the form and we prioritize the file.
What is the 2026 FHA loan limit in Cumberland County?
For 2026 the FHA limit for a one-unit home in Cumberland County is $541,287, set by HUD. The conforming loan limit is $832,750. Limits for two- to four-unit properties are higher.
Who pays the transfer tax in Cumberland County?
The Realty Transfer Fee is the seller’s responsibility by statute. It is calculated on a graduated schedule per $500 of the sale price. A separate graduated fee on certain sales above $1 million is also the seller’s.
Conforming limit shown is the 2026 FHFA figure for Cumberland County. FHA limits and state agency caps are set by HUD and NJHMFA and change periodically. Verify on the official source. Not a commitment to lend.
Get pre-approved in Cumberland County
Three quick steps, about a minute. No Social Security number, no pay stubs. A licensed officer from our Hamilton office calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
Ready to see what you qualify for?