As of 2026, in the area of Belmar, located in Monmouth, NJ, the USDA loan cap stands at $776,600 while the FHA ceiling for a single-family residence is $1,089,300.
Utilize Lendersa®’s USDA loan calculator to explore and contrast today's prime USDA and FHA interest rates. Determine the credit, income, reserve necessities, and paperwork required for qualification. Our sophisticated mortgage calculator enables you to compare USDA, FHA, Conforming, and VA programs side by side, assisting you in
Review loan proposals from a selection of 100 lenders
| Loan Type | Loan Limit | Down payment | |
| USDA | $776,600 | 0% | |
| FHA | $1,089,300 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
The aim of Lendersa® is to swiftly and conveniently secure the optimal USDA or FHA loan for you. Choose one of three pathways to connect with lenders and access various USDA loan schemes.
A USDA home loan is government-backed by the Department of Agriculture, also known as USDA rural development or USDA mortgage, and is available solely in rural areas. Unlike an FHA loan which mandates at least a 3.5% down payment, a USDA mortgage does not require any down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
|
|
|
|
|
|
|
|
|
Bridge Loan Guides
