The 2026 FHA loan limit in Monmouth County, New Jersey is $1,249,125 for a one-unit home ($1,599,375 two-unit, $1,933,200 three-unit, $2,402,625 four-unit). With 3.5% down, that supports a purchase price of about $1,294,430.
$5,315,000median sale price HUD used
2026 limits by property size
| Units | FHA limit | Conforming / VA |
|---|---|---|
| 1 unit | $1,249,125 | $1,209,750 |
| 2 units | $1,599,375 | $1,548,975 |
| 3 units | $1,933,200 | $1,872,225 |
| 4 units | $2,402,625 | $2,326,875 |
vs national floor and ceiling
HUD sets FHA limits at 115% of the area median sale price, kept between the floor and the ceiling.
What an FHA loan costs here
| Home price | 3.5% down | Loan | Monthly P&I |
|---|---|---|---|
| $200,000 | $7,000 | $193,000 | $1,336 |
| $300,000 | $10,500 | $289,500 | $2,004 |
| $400,000 | $14,000 | $386,000 | $2,673 |
| $1,294,430 | $45,305 | $1,249,125 | $8,649 |
Add the FHA upfront premium (1.75%), annual MIP, property tax and insurance.
VA loans in Monmouth County
Veterans with full VA entitlement have no VA loan limit. Lenders size the loan by income and appraisal, not by county. With reduced entitlement (for example, an active VA loan), the 2026 county limit of $1,209,750 (the FHFA conforming limit) sets how much you can borrow with no down payment.
Related
- New Jersey FHA limits by countyall counties
- USDA income limits, Monmouth County0% down rural loans
- Monmouth County property tax1.65% effective
- Conforming loan limit$1,209,750
- Mortgage rates in New Jerseythis week
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Monmouth County for 2026?
The 2026 FHA loan limit in Monmouth County, New Jersey is $1,249,125 for a one-unit home ($1,599,375 two-unit, $1,933,200 three-unit, $2,402,625 four-unit). With 3.5% down, that supports a purchase price of about $1,294,430.
What is the max FHA loan for a duplex in Monmouth County?
$1,599,375 for a two-unit property in 2026. A triplex is $1,933,200 and a fourplex is $2,402,625.
What is the VA loan limit in Monmouth County?
No limit with full entitlement. With reduced entitlement, the 2026 county limit is $1,209,750.
How much down payment do I need for an FHA loan?
3.5% with a credit score of 580 or higher, or 10% with a score of 500–579.