For 2026, the FHA loan limits in Millstone county of Monmouth, NJ are as follows: $1,089,300 for a single-family home, $1,394,775 for two-unit properties, $1,685,850 for three units, and $2,095,200 for four units.
The maximum conventional loan amount for a single-family residence is $1,089,300. For two-unit buildings, it's $1,394,775, for three units, $1,685,850, and for four units, the limit is $2,095,200.
Our FHA calculator can help you discover today’s favorable FHA rates and calculate needed downpayments, income, credit, reserves, and the documentation to qualify.
The Lendersa® calculator lets you compare the rates and terms of FHA loans with those of other financing options. It's a great tool for examining and comparing FHA with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers extensive loan data from a multitude of lenders and evaluates it in seconds to suit your financial profile and needs.
For 2026, the Loan Limits Comparison Table in Millstone county of Monmouth, NJ, assists in comparing maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification criteria like 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 |
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