In 2025, the conventional loan limit in Ocean, county of Monmouth, NJ, is $1,089,300, whereas the FHA limit for a single-family home is $1,089,300. These are key figures for prospective homeowners to consider when evaluating their financing options.
Explore the Lendersa® Conventional loan calculator to assess today's best rates between Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator places Conforming Conventional loans beside USDA, FHA, and VA options, giving you a clear, side-by-side view to select the best program in NJ for your financial situation.
Explore offers from 100 different lenders
| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $1,089,300 | 3% |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
This table applies to zip codes: 07711, 07712, 07723, 07755
The mission at Lendersa® is to ensure you find the best Conventional, USDA, or FHA loan quickly and with ease. Start with one of three pathways to find matching lenders and loan programs tailored to your needs. This streamlined approach helps you navigate the complex loan landscape effectively.
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Bridge Loan Guides
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