USDA VS FHA in Asbury-Park, Monmouth County, NJ

In 2025, the USDA loan limit for Asbury-Park, within Monmouth, NJ, is $657,900, while the FHA limit set for a single-family home reaches $822,375.

Use the Lendersa® USDA loan calculator to compare today's USDA vs. FHA best rates to determine the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, assisting in selecting which program in aligns best with your financial needs.

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Loan Limits and Downpayment Requirements for 2025 in Asbury-Park, Monmouth, NJ

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Options for USDA and FHA Loans in Asbury-Park, NJ

Lendersa® aims to provide you the best USDA or FHA loan promptly and hassle-free. Choose one of the three starting points to find matching lenders and USDA loan programs.

Results from Lendersa USDA loan request and matching

Understanding USDA Loans in NJ

A USDA home loan, guaranteed by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans do not necessitate any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Newport Mortgage LLC
  • 55 John Clarke Road, Unit A16, Middletown, RI, 02842
  • "Newport Mortgage LLC is a residential, and commercial mortgage company, located in Newport RI. Newport Mortgage LLC is owned and operated by Mark Jernstedt. Mr. Jernstedt brings over 25 years of experience, originating residential and commercial loans. When you apply for a loan with Newport Mortgage LLC,"
  • Pioneer Bank
  • 652 Albany Shaker Road, Albany, NY, 12211
  • Founded for the financial strength of the community, Pioneer has been operating within New York's Greater Capital Region for more than 130 years, providing financial support to help people build a better life. Today, our values remain the same, holding firm to our belief that the customer, our employees, and our community come first.
  • Clarksville Mortgage Corporation
  • 5533 Adams Ridge Rd, Clarksville, MD, 21029
  • Clarksville Mortgage Corporation, where we specialize in residential mortgages. At Clarksville Mortgage Corporation, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • A&P Mortgage Processing,LLC
  • 6211 Kaybro Street, Laurel, MD 20707, USA., Laurel, MD, 20707
  • Have you ever considered outsourcing your mortgage loan processing? Back office mortgage processing services provider A&P Mortgage Processing, LLC - Start the loan process A&P Mortgage Processing, LLC: - Processes the loan - Submits it to Underwriting - Clears all conditions - Schedules the closure - Follows up on the loan once it's closed
  • WSSC Federal Credit Union
  • 14501 Sweitzer Lane, Laurel, MD, 20707
  • WSSC Federal Credit Union (WSSC FCU) was chartered in April 1964 with an initial asset base of $2, 000. Since then, the Credit Union has grown to over $30 million in assets with over 4, 000 members. We serve WSSC Water employees, retirees, contractors, and their families; members and employees of Reid Temple AME and Kingdom Fellowship AME Churches.
  • Tower Federal Credit Union
  • 7901 Sandy Spring Road, Laurel, MD, 20707
  • Tower Federal Credit Union was ranked #1 on Forbes Magazine’s Best-in-State Credit Unions for 2021, and was one of only five Maryland credit unions to make the Forbes Best-in-State list in 2020. Tower Federal Credit Union was formed in 1953 when its seven original members pooled together their money
  • Diamond Financial Mortgage
  • 8645 Cherry Lane, Laurel, MD, 20707
  • Diamond Financial Mortgage Corporation has helped many families buy a home with the loan that is right for them. We pride ourselves on our technical expertise and are committed to exceeding our clients' expectations. We work together with our clients to understand their needs, wants, and expectations and offer a flexible approach
  • NewDay USA
  • 8160 Maple Lawn Blvd, Fulton, MD, 20759
  • "NewDay USA is building our nation's leading VA mortgage company, serving America’s veterans and their families, to help Veterans like you get the financial security and peace of mind you deserve. Since 2004, NewDay USA has set out to improve the lending experience for Veterans, Service members and their family members."
  • Imperium Mortgage LLC
  • 8115 Maple Lawn Blvd, Suite 350, Fulton, MD, 20759
  • Imperium Mortgage We are a people-centric organization that not only seeks to minimize the impact of our business on the environment but also shares concerns that will be confronted by future generations. You do not normally expect to hear this from a mortgage company, but the fact is, we finance people’s future.
  • Access Financial Mortgage Corp.
  • 8115 Maple Lawn Blvd, Suite 350, Fulton, MD, 20759
  • Access Financial Mortgage Corp., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.