For 2026, in Smithville County of Atlantic, NJ, the FHA loan limits are established as follows: $472,030 for single-family homes, $604,400 for properties with two units, $730,525 for those with three units, and $907,900 for four-unit residencies.
The upper limit for conventional loans on single-family homes is $726,200. Two-unit homes can avail a maximum of $929,850, while the limit for three units is $1,123,900, and for four-unit structures, it reaches $1,396,800.
Leverage our FHA calculator to discover today's advantageous FHA rates and determine the necessary down payment, income level, credit score, reserves, and documents for qualification.
The Lendersa® calculator facilitates direct comparisons between FHA rates and terms and those of other loan programs. Assess and differentiate Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans relative to FHA products.
Lendersa® aggregates data from thousands of lenders, providing swift analysis in relation to your unique financial profile and needs.
In 2026's Loan Limits Comparison Table for Smithville County, Atlantic, NJ, review maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate the qualification requirements such as income, reserves, and credit, opt for the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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