For 2025, in Freehold, located within Monmouth county of NJ, FHA loan limits are defined as follows: $1,089,300 for a single-family home, $1,394,775 for two-unit residences, $1,685,850 for three-unit buildings, and $2,095,200 for four-unit properties.
Regarding conventional loans, the utmost loan amount for a single-family home is $1,089,300. For two-unit dwellings, it’s $1,394,775, for three-unit homes, it's $1,685,850, and for four-unit properties, the limit tops out at $2,095,200.
Utilize our FHA calculator to uncover current optimal FHA rates and determine essential qualification criteria like down payment amount, income requirement, credit standings, reserve necessities, and necessary documentation.
With the Lendersa® calculator, you are empowered to compare the rate and terms of FHA loans alongside those of other loan programs. Take the opportunity to explore and analyze the offerings of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans compared to FHA options.
Lendersa® gathers comprehensive loan program data from a vast array of lenders, enabling instantaneous comparisons tailored to suit your personal financial circumstances and requirements.
Refer to the Loan Limits Comparison Table for 2025 concerning Freehold in Monmouth, NJ. This table will assist you in comparing the maximum loan amounts of FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Moreover, to evaluate qualification requirements such as income, reserve holdings, and credit score necessities, employ 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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