For 2026, the FHA loan limits in Cliffwood-Beach county within Monmouth, NJ, are set at $822,375 for single-family homes. For properties comprising 2-units, the cap is $1,053,000, for 3-units, it's $1,272,750, and 4-units can reach up to $1,581,750.
Regarding conventional loans, the limit for a single-family home is a maximum of $822,375. Two-unit homes have a limit of $1,053,000, three-unit homes are limited to $1,272,750, and properties with four units have a cap of $1,581,750.
Our FHA calculator can help you discover the most competitive FHA rates currently available and calculate the details like down payment, necessary income, credit requirements, reserves, and documentation needed for qualification.
With the Lendersa® calculator, you have the capability to compare FHA loan rates and terms against all other available loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money mortgages.
Lendersa® aggregates loan program data from a vast network of lenders, processing it swiftly to match your specific financial profile and needs.
Utilize the Loan Limits Comparison Table for 2026 in Cliffwood-Beach, part of Monmouth county in NJ. This will assist you in comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM, and hard money loan ceilings. For a more detailed examination of qualification factors such as income, reserves, and credit, leverage 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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