For the year 2026, the FHA loan limits in Plumsted county, Ocean, NJ are as follows: $1,089,300 for single-family homes, $1,394,775 for properties with two units, $1,685,850 for three-unit buildings, and $2,095,200 for structures with four units.
Regarding conventional loans, the highest amount available for a single-family residence is $1,089,300. For duplexes, it’s $1,394,775, for three-unit dwellings $1,685,850, and for four-unit homes, $2,095,200.
Utilize our FHA calculator to explore the current optimal FHA rates and ascertain the relevant down payment, credit standing, income, reserve requirements, and necessary documentation for qualification.
The Lendersa® calculator empowers you to juxtapose the rates and terms of FHA loans against those of other loan products. Look into and assess options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
With speed, Lendersa® aggregates loan program data from thousands of lenders and matches it against your personal financial profile and needs, offering tailored comparisons.
For 2026, the Loan Limits Comparison Table in Plumsted county of Ocean, NJ evaluates the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review criteria for qualification 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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