For 2026, the USDA loan limit in Beach-Haven-West, within the county of Ocean in NJ, is $657,900. Meanwhile, the FHA limit for a single-family home is set at $822,375.
You can use the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. This will also help you determine the necessary income, credit history, reserves, and documentation for eligibility. Our cutting-edge mortgage calculator compares USDA, FHA, Conforming, and VA loans side by side, enabling you to choose the best program for your financial situation in
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| Loan Type | Loan Limit | Initial Payment | |
| USDA | $657,900 | 0% | |
| FHA | $822,375 | 3.5% | |
| Conventional Conforming | $822,375 | 3% |
The mission of Lendersa® is to help you quickly and easily acquire the most advantageous USDA or FHA loan. Choose one of three paths to connect with lenders and access USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA mortgages require zero down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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