As of 2026, the FHA loan limits in Mystic-Island county of Ocean, NJ are $822,375 for a single-family dwelling, $1,053,000 for two-unit homes, $1,272,750 for three-unit structures, and $1,581,750 for four-unit residences.
Conventional loan limits are $822,375 for single-family houses, rising to $1,053,000 for duplexes, $1,272,750 for three-unit homes, and $1,581,750 for four-unit properties.
Use our FHA calculator to evaluate today’s most favorable FHA rates, and find out the required down payment, credit score, income, reserves, and necessary documents for loan qualification.
The Lendersa® calculator allows you to compare FHA rates & terms with those from other lending programs. Investigate and assess options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® promptly gathers loan program data from thousands of lenders, comparing it against your individual financial context and needs.
For 2026, the Loan Limits Comparison Table in Mystic-Island county, Ocean, NJ contrasts the FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To examine qualification requirements such as income, reserves, and credit, use 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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