FHA VS Conventional loan in Neptune-City, Monmouth County, New Jersey

For 2025, the county of Monmouth in Neptune-City, NJ has a conventional loan cap of $970,800. In comparison, the FHA loan cap for a single-family residence is $970,800.

Utilize the Lendersa® Conventional loan calculator to evaluate the best rates between Conventional, FHA, and USDA loans. This tool helps you identify the necessary income, credit, reserves, and documents essential for qualifying. By using our comprehensive mortgage calculator, you can compare Conforming Conventional loans, USDA, FHA, and VA, ensuring you choose the most suitable program in NJ for your financial needs.

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Loan limits and down payments for 2025 in Neptune-City, Monmouth county, NJ

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This comparison table is relevant for zip codes: 07753, 07754

Discover Conventional and FHA loan options in Neptune-City, NJ

Lendersa® is committed to providing quick and seamless access to top Conventional, USDA, or FHA loans. Begin with any of the three pathways below to match with suitable lenders and loan programs:

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  • Design Mortgage Group
  • 7511 FM 1488, Magnolia, TX, 77354
  • At Design Mortgage, taking care of our clients is our number one priority. It’s our dedication to our customers that separates us from other mortgage companies. Nearly 100% of our business is by referral from satisfied clients, highly successful realtors and the most respected home builders in the industry.
  • Mortgage-Outfitters, LLC
  • 33300 Egypt Lane, Suite A700, Magnolia, TX, 77354
  • Mortgage Outfitters, LLC, we know that good, honest, relationships are the essence of sound business practice. But equally important, our clients need to know that they can rely on us to be their trusted personal advocate. Our ability to be advisor, counselor and educator helps our clients
  • Mega Mortgage of Texas
  • 5327 FM 1488 Rd, Suite F220, Magnolia, TX, 77354
  • Mega Mortgage of Texas is a full service Texas mortgage broker with special focus on owner builder/traditional builder construction loans and low credit jumbo loans. We offer a 20% discount to all THSC Members on all client broker fees. This saves you 20% on the broker fee and origination fee.
  • Nebraskaland National Bank
  • 1400 South Dewey, North Platte, NE, 69101
  • Founded on May 14th, 1998 by three dedicated employees and a group of local shareholders, NebraskaLand Bank began with the mission, ""To serve our communities with high quality personalized service at a competitive price."" That mission statement remains the same today. We always say it's our people that make us special
  • Morton Mortgage Inc
  • 8900 Eastloch Drive, Suite 140, Spring, TX, 77379
  • Morton Mortgage, Inc. is a Texas Mortgage Company. Renee Morton and her team bring the expertise of over 40 years to the closing table. They take great pride in offering competitive rates, exemplary customer service and great attention to detail to insure your home lending experience is the finest.
  • Houston Home Flips
  • 913 Walnut Pointe, League City, TX, 77573
  • Loan Ranger Capital is one of the few locally owned and operated direct hard money lenders in Texas and know the local real estate markets intimately. Houston Home Flips is here to meet all of your private lending needs. From fix and flips to ground up construction, we have loan for you. As a leader in Texas hard money loans, we’re confident in
  • whitsell mortgage
  • 2205 Riviera Dr, League City, TX, 77573
  • With a long history of brokering residential & commercial loans Dave Whitsell brings the experience & honesty that you want & need to make your loans flow smoothly. He has built a reputation of knowing how to get the deals done when others have had problems. So when you are ready to be treated as a client for life not a customer for now call Dave.
  • LUV Mortgage LLC
  • 2600 South Shore Blvd, Suite 300−79, League City, TX, 77573
  • Our loan programs include FHA, VA, USDA, FNMA, FHLMC, Jumbo, HECM, Self Employed, Investment and many more. I'll help you find the best program for you and your families needs. From fast, custom digital quotes to a completely streamlined online loan application and approval process, you can get your money and do what you want with it
  • American Homestar Mortgage LLC
  • 2450 South Shore Blvd, Suite 301, League City, TX, 77573
  • American Homestar Mortgage is a proud member of the American Homestar Corporation, celebrating 50 years in business. We are committed to providing you the best-in-class service from the initial application all the way to closing day! Our dedicated team is here to help you every step of the way.
  • AMOCO Federal Credit Union
  • 1692 E. League City Pkwy, League City, TX, 77573
  • More than a financial institution, AMOCO Federal Credit Union offers financial products and services paired with expert advice to help our members make the right financial decisions. We have over 215 valued employees who are dedicated to serving the financial needs of our members, which is what we’re all about.
  • Helping Heroes Buy Homes LLC
  • 2213 Dove Haven Lane, League City, TX, 77573
  • Helping Heroes Buy Homes has many programs to help parties within Real Estate Investment. Vast program diversification for all types of clients for approval of financing. Every client has different needs and may not qualify for all programs. Check with your loan consultant about your options.