In the year 2025, the FHA loan limit in the county of Manchester, located in Ocean, NJ, is set at $1,089,300 for a single-family home, moving up to $1,394,775 for two-unit buildings, $1,685,850 for homes with three units, and $2,095,200 for properties containing four units.
For conventional loans, the highest allowable amount on a single-family residence stands at $1,089,300, increasing to $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four-unit properties.
Check out our FHA calculator to find today's top FHA rates and compute the required downpayment, income, credit score, reserves, and documentation for qualification.
Utilize the Lendersa® calculator for comparisons between FHA rates and terms and those offered by other loan programs. Dive into an exploration of FHA alongside Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly gathers loan program data from a multitude of lenders, quickly matching it to your specific financial profile and requirements.
The Loan Limits Comparison Table for 2025 in Manchester county of Ocean, NJ, provides a detailed analysis of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare eligibility requirements regarding income, reserves, and credit, use 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 |
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
