In 2025, the FHA loan limit set for Brick county in Ocean, NJ is $1,089,300 for a single-family home. For a two-unit property, the limit is $1,394,775, it is $1,685,850 for three units, and $2,095,200 for properties with four units.
The maximum loan amount allowed for conventional loans on a single-family residence is $1,089,300. For two units, it is $1,394,775, $1,685,850 for three-unit homes, and for four-unit dwellings, it is $2,095,200.
Use our FHA calculator to explore today’s best FHA rates and learn about the necessary downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator provides a comparison of FHA rates and terms with various other loan programs. Examine and compare options such as conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Data from thousands of lenders is processed by Lendersa® to match it with your precise financial profile and needs.
Check the Loan Limits Comparison Table for 2025 within Brick county of Ocean, NJ to compare maximum loan amounts across FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loan options. For a thorough evaluation of qualification requirements such as income, reserves, and credit, utilize the 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 |
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