In 2026, the FHA loan limit in Highlands, within Monmouth county, NJ, is $1,089,300 for a single-family home. For buildings with two, three, and four units, the limits are $1,394,775, $1,685,850, and $2,095,200 respectively.
The maximum loan amount for conventional loans on a single-family home is $1,089,300, increasing to $1,394,775 for two units, $1,685,850 for three-unit properties, and $2,095,200 for four-unit residences.
Utilize our FHA calculator to access today's best FHA rates, calculating the downpayment, income, credit, reserves, and documentation required for qualification.
Through the Lendersa® calculator, compare FHA rates and terms against a wide range of other loan programs. Explore options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from thousands of lenders and swiftly aligns it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Highlands, Monmouth, NJ, helps in comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comparing eligibility requirements like income, reserves, and credit criteria.
| 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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