For 2026, the FHA loan limit in Barnegat, within Ocean county of NJ, is $1,089,300 for a single-family home. For 2-units, it's $1,394,775, for 3-units, $1,685,850, and for 4-units, $2,095,200.
The maximum for conventional loans on a single-family home is $1,089,300, $1,394,775 for two units, $1,685,850 for three, and $2,095,200 for four-unit properties.
Utilize our FHA calculator to find today's best FHA rates and to evaluate required down payment, income, credit, reserves, and necessary documents for qualification.
With the Lendersa® calculator, review and contrast FHA rates and terms with all available loan programs. Look into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® pulls loan program details from a broad array of lenders to quickly align with your financial goals.
The Loan Limits Comparison Table for 2026 in Barnegat, Ocean, NJ allows you to match FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximums. For eligibility factors like income, credit, and reserves, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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 |
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
