For 2026, the FHA loan ceiling in Point-Pleasant-Beach county located in Ocean, NJ is $822,375 on a single-family home. For properties with 2 units, it is $1,053,000, while 3-unit and 4-unit properties hold limits at $1,272,750 and $1,581,750, respectively.
Conventional loan maximums are set at $822,375 for a single-family property. For homes with 2 units, the limit is $1,053,000; for 3-unit homes, it goes up to $1,272,750, and for 4-unit properties, it's $1,581,750.
Leverage our FHA calculator to find the most competitive FHA rates available today. This tool also helps you evaluate down payment requirements, income, credit score needs, reserves, as well as necessary supporting documents for qualification.
With the Lendersa® calculator, you can measure FHA rates and terms alongside a spectrum of other loan program offerings. Explore and compare options such as Conventional mortgages, Jumbo loans, VA, USDA, Non-QM, and hard money solutions, aligning them with FHA.
Lendersa® pulls data from a network of thousands of lenders, facilitating rapid comparisons customized to your individual financial picture and needs.
Check out the Loan Limits Comparison Table for 2026 in Point-Pleasant-Beach county of Ocean, NJ, which showcases FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money financing upper limits. For a deeper dive into qualification prerequisites such as income, reserve levels, and credit, utilize 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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