In 2026, the FHA loan limits for Lakewood county within Ocean, NJ are $1,089,300 for a single-family home, $1,394,775 for two-unit residences, $1,685,850 for three units, and $2,095,200 for four-unit properties.
The maximum amounts for conventional loans on a single-family residence are $1,089,300. For two units, it's $1,394,775, for three units, it's $1,685,850, and for four units, $2,095,200.
Our FHA calculator can assist you in discovering today's best FHA rates and calculating the necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator enables you to juxtapose FHA rates and terms with all other loan programs. Examine and assess conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans in comparison with FHA.
Lendersa® retrieves loan program data from thousands of lenders, rapidly comparing it to your particular financial profile and needs.
Check the Loan Limits Comparison Table for 2026 within Lakewood county, Ocean, NJ for comparisons across FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loan maximum amounts. To evaluate qualification demands such as income, reserves, and credit, opt for 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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