In 2026, the FHA loan limits in Seaside-Heights county of Ocean, NJ are set at $822,375 for a single-family home. For homes with two units, the limit is $1,053,000; for three units it is $1,272,750, and for residences with four units, the maximum is $1,581,750.
The maximum amount for conventional loans on a single-family property is $822,375. For two units, it is capped at $1,053,000; for properties with three units, it's $1,272,750, and for those with four units, the limit is $1,581,750.
Use our FHA calculator to find today’s most competitive FHA rates and determine the necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Assess and consider options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
Lendersa® gathers expansive loan program data from thousands of lenders, providing quick, efficient comparisons aligned with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Seaside-Heights, located in Ocean, NJ, showcases maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria, including income, reserves, 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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