During the year 2026, the FHA loan limits for Atlantic-Highlands county in Monmouth, NJ are set at $822,375 for a single-family home. For properties featuring 2 units, the limit is $1,053,000, while for those with 3 units, it's capped at $1,272,750, and for buildings with 4 units, the limit reaches $1,581,750.
Concerning conventional loans, the utmost loan amount for a single-family residence stands at $822,375. For 2-units, the limit is $1,053,000; for 3-units, $1,272,750; and for 4-units, it is $1,581,750.
Leverage our FHA calculator to check out the most favorable FHA rates today and to figure out the necessary downpayment, income, credit score, reserve requirements, and the documentation needed to meet qualification criteria.
The Lendersa® calculator makes it possible to juxtapose FHA rates and terms with those of various other loan programs. Delve into comparing Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans with the FHA options.
Lendersa® acquires loan data from a vast number of lenders, swiftly aligning it with your distinct financial situation and requirements.
For 2026, consult the Loan Limits Comparison Table in Atlantic-Highlands located within Monmouth, NJ, which provides an evaluation of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For insights into qualification needs such as income, reserves, and credit evaluation, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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