For 2026, the conventional loan limit in Millstone, part of Monmouth county, NJ, is $1,089,300. Meanwhile, the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® Conventional loan calculator to evaluate current rates for Conventional versus FHA versus USDA loans, determining the necessary income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator presents Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in selecting the optimal program in NJ suited to your financial circumstances.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $1,089,300 | 3% |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
Table comparison is applicable to the following zip codes: 08510, 08535
Lendersa® is committed to swiftly providing the best Conventional, USDA, or FHA loan options with minimal hassle. Start with one of the three options to connect with lenders and loan programs designed for you.
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