In 2026, FHA loan limits set for Beach-Haven-West county in Ocean, NJ, are $822,375 for a single-family home. For two-unit houses, the limit is $1,053,000, three-unit homes can borrow up to $1,272,750, and for four-unit dwellings, it reaches $1,581,750.
Conventional loans on a single-family residence have a cap of $822,375, with a two-unit limit of $1,053,000. Three units can attain $1,272,750, and four units are set at a maximum of $1,581,750.
Utilize our FHA calculator to identify today’s optimal FHA rates and to determine necessary qualifications such as downpayment, income, credit, reserves, and documentation.
The Lendersa® calculator allows you to compare FHA rates and terms with those of various other loan programs. Explore and evaluate options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA offerings.
Lendersa® assembles data from thousands of lenders, providing rapid analysis against your unique financial situation and requirements.
The Loan Limits Comparison Table for 2026 in the county of Ocean, Beach-Haven-West, NJ, provides a detailed overview of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For assessing qualification requirements like income, reserves, and credit, use 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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