In 2026, the USDA loan limit in Barnegat, part of Ocean county, NJ, amounts to $776,600, whereas for a single-family home, the FHA limit is $1,089,300.
Take advantage of the Lendersa® USDA loan calculator to evaluate and contrast today's optimal USDA versus FHA rates, and discern the necessary income, credit, reserves, and documents needed for qualification. Our superior mortgage calculator lays out the USDA, FHA, Conforming, and VA options side by side, aiding you in determining which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The mission of Lendersa® is to efficiently provide you with the finest USDA or FHA loan available, without hassle. Begin with one of the three pathways that lead to matching lenders and USDA loan programs.
The USDA home loan, endorsed by the government via the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is accessible only in rural regions. If compared to FHA loans that mandate at least a 3.5% down payment, USDA loans need none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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