The FHA loan limits for 2025 in Spring-Lake-Heights, situated in Monmouth, NJ, are $822,375 for a single-family dwelling. For homes with two units, the limit is $1,053,000; three-unit houses have a limit of $1,272,750, and for four-unit homes, it is $1,581,750.
When it comes to conventional loans, the highest amount for a single-family home is $822,375. Two units can borrow up to $1,053,000, three units have a cap of $1,272,750, and four units can go up to $1,581,750.
Utilize our FHA calculator to access today’s prime FHA rates and find out the needed down payment, income, credit, reserves, and documentation to qualify successfully.
The Lendersa® tool empowers comparisons between FHA rates and those of other loan types. You can explore a variety of options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA options.
Lendersa® assembles data from thousands of lenders and instantly analyzes it against your financial circumstances and preferences.
The Loan Limits Comparison Table of 2025 for Spring-Lake-Heights within Monmouth, NJ displays comparative maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To see how detailed qualification aspects like income, reserves, and credit stand, try out 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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