For 2026, the FHA loan limits in Ocean, within Monmouth county of NJ, are set at $1,089,300 for single-family homes, $1,394,775 for two-unit residences, $1,685,850 for three-unit buildings, and $2,095,200 for four-unit properties.
Conventional loans allow maximum amounts of $1,089,300 for single-family homes, $1,394,775 for two-units, $1,685,850 for three-units, and $2,095,200 for four-units.
Utilize our FHA calculator to find the best FHA rates today, and determine necessary factors like downpayment, income, credit, reserves, and documents required to qualify.
The Lendersa® calculator provides the ability to compare FHA rates and terms with those of other loan options. Examine possibilities, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® gathers data from thousands of lenders to provide rapid comparisons tailored to your financial situation.
Use the Loan Limits Comparison Table for 2026 in Ocean, county of Monmouth, NJ to assess FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Compare income, reserve, and credit requirements with Lendersa®'s 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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