In 2026, FHA loan limits in Long-Beach county of Ocean, NJ are defined as $822,375 for a single-family home, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
The maximum amount for conventional loans on a single-family home is $822,375. For two-unit homes, the cap is $1,053,000, for three units it's $1,272,750, and for four-unit residences, the limit is $1,581,750.
Use our FHA calculator to explore today’s best FHA rates and calculate the necessary downpayment, income criteria, credit standards, reserves, and documents needed for qualification.
The Lendersa® calculator provides the ability to compare FHA rates and terms with those of other loan programs. You can review Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA possibilities.
Lendersa® compiles extensive loan program data from thousands of lenders, allowing for rapid comparison aligned with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Long-Beach, within Ocean, NJ, offers maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements like income, reserves, and credit.
| 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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