For 2026, the USDA loan limit for a single-family home in Beachwood, located in Ocean, NJ, is $776,600, while the FHA limit is set at $1,089,300.
Use the Lendersa® USDA loan calculator to compare today's best rates between USDA and FHA loans, understanding the income, credit requirements, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to examine USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program in Alabama tailored to your financial situation.
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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 goal of Lendersa® is to swiftly secure the best USDA or FHA loan for you, devoid of hassle. Choose one of three starting points that connect you with lenders and USDA loan programs.
A USDA home loan, backed by the government through the Department of Agriculture, also known as the USDA rural development loan, is only available in rural areas. Unlike FHA loans which require a down payment of at least 3.5%, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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