For the year 2026, the FHA loan limit in Point-Pleasant, within the county of Ocean, NJ, is $822,375 for a single-family home. For two-unit properties, the limit is $1,053,000, for three-unit residences, it's $1,272,750, and for four-unit homes, it reaches $1,581,750.
The maximum loan amount for conventional loans on a single-family residence is $822,375. For two-unit homes, it's $1,053,000, for three-unit homes, it's $1,272,750, and for four units, it's $1,581,750.
Utilize our FHA calculator to find today's best FHA rates and to determine the necessary down payment, income, credit score, reserves, and documents required for qualification.
With the Lendersa® calculator, compare FHA rates and terms with those from other loan programs. Consider options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in conjunction with FHA offerings.
Lendersa® gathers loan data from a wide array of lenders and offers swift comparisons tailored to your financial profile.
The Loan Limits Comparison Table for 2026 in Point-Pleasant, Ocean, NJ allows for comparison of maximum loan amounts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For assessing qualification criteria like 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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