In 2025, the FHA loan limits applicable in Wanamassa, part of Monmouth county, NJ, are defined as $1,089,300 for single-family homes, $1,394,775 for properties with two units, $1,685,850 for three-unit buildings, and $2,095,200 for homes with four units.
For conventional loans, the ceiling for a single-family residence is $1,089,300. Buildings with two units have a limit of $1,394,775, while limits for three-unit and four-unit properties are set at $1,685,850 and $2,095,200 respectively.
Our FHA calculator is available to explore today's most competitive FHA rates and assess the necessary downpayment, required income, credit parameters, reserves, and documentation needed to qualify for a loan.
The Lendersa® calculator is a comprehensive tool for comparing FHA rates and terms against those of other loan programs. You can investigate various options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans along with FHA offerings.
Lendersa® sources a wealth of data from numerous lenders, efficiently aligning these with your specific financial profile and needs to provide tailored options.
Use the Loan Limits Comparison Table for 2025 available in Wanamassa, Monmouth, NJ, to understand the maximum amounts permitted for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For evaluating qualification criteria such as income, reserves, and credit assessments, refer to the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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