September 2026 HUD file

HUD-insured apartment loans in New Jersey

161 properties with 27,580 units carry FHA-insured mortgages in New Jersey, with $3.0 billion still owed. The median note rate is 3.75%, and 86 of them are below 4%.

161insured loans
3.75%median note rate
$3.0 billionbalance outstanding
5.54%median on loans endorsed in the last 12 months, all states

By program

223(f) purchase or refinance106
221(d)(4) construction or substantial rehab21
223(a)(7) refinance8
HFA risk-sharing22
241(a) supplemental2
Older and other programs2

Lowest rates with 10+ years left

These are the loans a buyer would most want to assume. Open one for the payment math.

Lowest note rates in New Jersey, at least 10 years to maturity
Property City Units Rate Balance Matures
Summit Plaza Jersey City 483 2.08% $107.2 million 2056
Excel on the Hudson Aka Overlook Terrace North West New York 302 2.17% $17.3 million 2056
Maplewood Senior Citizen Residence Maplewood 114 2.2% $16.9 million 2056
Ridgecrest Senior Housing Ridgewood 130 2.25% $11.2 million 2056
Cedar Grove Senior Citizens Housing Cedar Grove 149 2.27% $21.0 million 2056
Laurel Green Apartments Mt Laurel 298 2.36% $51.7 million 2057
The Pines Lindenwold 411 2.36% $28.1 million 2057
Oceanpointe Towers Long Branch 151 2.37% $21.9 million 2055
The Enclave at Winslow Sicklerville 105 2.37% $20.7 million 2056
Overlook Terrace South Apartments West New York 300 2.39% $17.9 million 2054
Clock Tower Apartments Hoboken 174 2.4% $29.2 million 2057
Parkview Towers West New York 688 2.42% $123.8 million 2055
Warren J Lockwood Village Roselle 308 2.42% $11.7 million 2056
Camelot at Edison Edison 220 2.43% $48.7 million 2056
255 Tuscan Maplewood 30 2.43% $6.8 million 2056

Filter every state in the assumable-loan finder

Paying off within five years

Most HUD loans amortize to zero, so these balances are usually small. The owners are deciding what to do with a nearly paid-off property.

New Jersey HUD loans maturing by 2031
Property City Units Rate Balance Matures
Governor Paterson Towers II (north) Paterson 201 3.5% $195,963 2027
Presidential Plaza at Newport - Section I Jersey City 608 6.99% $8.6 million 2028
John P. Renna House West Orange 183 3.44% $636,152 2029
Presidential Plaza at Newport Section II Jersey City 896 6.99% $14.7 million 2029
Doddtown Plaza East Orange 61 4.77% $4.5 million 2031

By city

Everywhere else in New Jersey

Source: HUD, Insured Multifamily Mortgages, active file, current as of September 30, 2026. Apartment loans only; nursing homes, assisted living and hospitals in the same file are not counted.

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