In 2026, FHA loan limits in Toms-River county, Ocean, NJ are set at $822,375 for a single-family home, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four-unit properties.
The top amount for conventional loans on a single-family residence is $822,375, with limits of $1,053,000 for two-units, $1,272,750 for three-units, and $1,581,750 for four-units.
Utilize our FHA calculator to explore today’s best FHA rates and determine downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator helps you compare FHA rates and terms alongside other loan programs like conventional, jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers data from thousands of lenders, swiftly aligning it with your unique financial profile and needs.
For 2026, check the Loan Limits Comparison Table in Toms-River county of Ocean, NJ to compare FHA, conventional, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loan amounts. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualifications, including income, reserves, and credit.
| 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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