For 2025, the FHA loan limits in the county of Middlesex, Monmouth-Junction, NJ, are as follows: $822,375 applies to single-family homes, $1,053,000 for 2-unit properties, $1,272,750 for 3-unit ones, and $1,581,750 for those with 4 units.
Regarding conventional loans, the maximum amount for a single-family home is $822,375. For two-unit residences, it rises to $1,053,000, for three units, it is $1,272,750, and for four-unit structures, the cap is $1,581,750.
You can use our FHA calculator to check the latest competitive FHA rates and figure out the needed down payment, income, credit-standing, reserves, and necessary documentation for qualification.
The Lendersa® calculator helps compare FHA rates and conditions with those of various other loan programs. Consider exploring Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans along with FHA options.
Lendersa® aggregates extensive loan program data from thousands of lenders and compares it quickly against your unique financial profile and requirements.
The Loan Limits Comparison Table for 2025 in the county of Middlesex, Monmouth-Junction, NJ, provides a comprehensive comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze qualification needs such as income, reserves, and credit prerequisites, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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