For 2026, the FHA loan limit in South-Toms-River county, Ocean, NJ is $822,375 for a single-family home. Two-unit homes have a limit of $1,053,000, three units are at $1,272,750, and for four units, it reaches $1,581,750.
The maximum conventional loan amount for a single-family home is $822,375, for two units it's $1,053,000, three units are capped at $1,272,750, and four units at $1,581,750.
Use our FHA calculator to see today’s FHA best rates and check the necessary downpayment, income, credit, reserves, and documentation to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Examine Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans compared to FHA offerings.
Lendersa® accesses data from thousands of lenders and swiftly aligns it against your unique financial profile and needs.
In 2026, the Loan Limits Comparison Table for South-Toms-River county, Ocean, NJ, showcases maximums for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate criteria like income, reserves, and credit requirements.
| 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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